, the website dedicated to helping honest debtors struggling with student loans to discharge or reduce their debts through bankruptcy or other means.
- Are you considering or entering into bankruptcy and want to include your student loans? Don’t let others tell you it is impossible to bankrupt your student loans. It is possible and you can do it yourself. We give specific details on how to file an adversary proceeding in conjunction with your bankruptcy to have the court determine if repaying your student loans create an “undue hardship” and should be discharged.
- Have you already been through bankruptcy and only now learned that you may have been able to include your student loans. We now have explicit information on how you can reopen the bankruptcy for the purpose of discharging your student loans.
- Perhaps you are not considering bankruptcy but want to explore filing a Compromise or Write-Off? We give concise information on these strategies and the keys for effective negotiations with the lender.
- Many other discharge strategies are discussed.
You can do it! No attorney needed! Remember, if you do not try to have your loans discharged, you will be stuck with them—possibly for the rest of your life. There goes your dream of owning a house and more. Filing fees are zero. You have nothing to lose. We will show you how.
Besides focusing on the direct needs of debtors to obtain discharge of their student loan debt, we are here to help organize community efforts to affect the political process to address the student loan debt morass.
Bankrupt Your Student Loans and Other Discharge Strategies
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Buying the book gives you the right to become a member of this website and access to many downloadable forms, how-to videos for filing the adversary proceeding, discussion forum, and more.
Download the Introduction and Chapter 1 to see if it can help you.
Download the summative essay on how to file an adversary proceeding to determine if your student loans can be bankrupted.
R.W. simply white-out sections of the sample documents found in the book, hand-printed in his information, filed, and won a discharge of his entire student loan debt of $225,000.
Laura M. -- "I found myself unemployed and in a financial downward spiral last year, unable to keep up with all my bills, including my student loan which had tripled in size (over $100K) over the last 20 years, the option left was BK. I purchased Chuck's book to deal with the student loan portion. It became my bible - getting me through the Adversary proceedings and ending with a fair settlement with DOE. I do believe I wouldn't have reached the end without the help of this book."
Academic researchers Rafel Pardo and Michelle Lacey (2005) found that, “More than half (57%) (of student loan debtors who filed an adversary proceeding were). . . granted some form of relief (through bankruptcy).” And this research was done before the advent of this book. Just imagine how many more people are successfully discharging their student loans through bankruptcy! Read more at the University of Cincinnati Law Review.
Not only is this website dedicated to helping individual debtors with their student loans, but serves as an advocacy for changing law to re-specify student loans back to their original status as unsecured debt dischargeable directly through bankruptcy.
Check out changes in policy, legislation, court cases, and other news related to student loans. more >>
- Attorney or Help Referral
Looking for someone to help? The attorneys and others listed with this referral are making a special effort to help debtors with overwhelming student loans.
Are you an attorney specializing in student loan debt? Come and join our list of nationwide legal services.
- Community Resources
There are many community resources that provide free or low-cost legal consultation and representation.
Political Activist Groups
The student loan mess has spawned many activist groups interested in political action. Perhaps you want to participate?