• Will I have to give up all my assets?
  
• Do I have to list all my debts?
  
• Will I lose my house even if I'm current?
  
• Will the trustee come to my house?
  
• Does my spouse have to file bankruptcy with me?
  
• Will bankruptcy stop wage garnishments?
  
• Are there debts that I cannot discharge?
  
• Is the IRS affected by my bankruptcy filing?
  
• Can I keep my car?
  
• Will I be allowed to file bankruptcy?
  
• How do I know which chapter to file?
  
• Can I discharge my student loans?
  
• What do I have to do to file bankruptcy?
  
• Can I put my assets in someone else's name before filing?
  
• Will I lose my retirement savings?
  
• Can I get credit after bankruptcy?
  
• What if I can't make the payments on my Chapter 13 plan?
  
• Does a previous bankruptcy prevent me from filing?
  
• Are there tax consequences to filing bankruptcy?
  
• Can I file bankruptcy without a lawyer?

Can I discharge
my student loans?

Student loans are no longer dischargeable in any chapter of bankruptcy unless you can prove that repaying the loan creates an undue hardship on you or your family.   Prior law allowed their discharge once they had been in pay status for 7 years.  The law changed in the fall of 1998.

Proving hardship usually requires showing that you can't provide a minimum standard of living for yourself and your dependents if you have to repay the loan.  Some courts will discharge part of the loan on a showing that repaying it all would be a hardship. 

Student loans are sometimes unenforceable due to school closures, fraud, etc.  Chapter 13 can provide a way to cure defaults on student loans, or to pay them off over the course of the plan.