Bankruptcy Timing to Discharge Student Loans
Discharging, permanently writing off, student loans can be difficult. You may be able to make it easier to do with good bankruptcy timing.
Stop Student Loan Collections to Discharge or Deal with the Loan
Filing Chapter 7 stops a student loan garnishment and other collection activities. Then use "undue hardship' or focus on the student loan.
Crucial Question: Does It Take Years to Get Rid of Your Debts under Chapter 13?
Yes, the "discharge"--write-off--of your debts does not happen until the end of your 3-to-5-year case. Thus there are some resulting risks.