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Understand bankruptcy
Student loans are unlike most other debts. Chances are you will still need to repay them, even after bankruptcy. Find out what you need to know about your student loans before, during and after bankruptcy.
Bankruptcy and student loans

Filing for bankruptcy is a difficult decision. Before you file, you should understand how bankruptcy will impact your student loans.

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During bankruptcy

While you’re in bankruptcy, you aren’t required to make regular monthly payments on your student loans unless you have provided for direct payment outside of your Chapter 13 plan. Regardless, the interest continues to accrue. Learn what you can do to manage your debt in bankruptcy.

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After bankruptcy

If you have outstanding student loans, once you’re out of bankruptcy, it’s time to start paying them back. But who owns your loan? And how much do you owe? We can help you navigate the post-bankruptcy complexities.

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I can't afford my payments, how can I lower them? Are there ways to get my loans forgiven or even canceled? I have missed several payments now what? I'm worried I won't be able to make my payment, what can I do? What if I don't pay?