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Bankruptcy Attorneys Serving Southern California

Student Loans

Whether or not student loans can be settled in a bankruptcy depends on if you have a private or federal student loan. Learn more in our video.


There are 2 different types of student loans. One is federal student loans and the other is private student loans.

Private student loans are negotiable and settle-able, and we've had success negotiating private student loans and still with a negotiated amount, paying back in monthly payments.

Federal loans are not settle-able and negotiable, and is very difficult to discharge them in a Chapter 7 bankruptcy. However, you can force them into a reorganization to accept payments that are less than the amount that you would pay normally through a student loan company.