Denial of your request, your student loans remain in full effect.
There is no single test that bankruptcy courts use to determine undue hardship, however the Court may look at the following factors to determine whether requiring you to repay your student loans would cause an undue hardship on you and your family:
You made good faith efforts to repay the loan before filing bankruptcy.
If you are struggling with non-dischargeable student loan debt, take heart, there are more options to consider. The best place to start is by calling your loan servicer. In many cases there may be several options including different repayment plans, deferments, and student loan forgiveness programs. Below is a short sample of student loan forgiveness programs for qualified educators and public employees:
On March 27, 2020, President Trump signed the CARES Act into law, which, among other things, provides broad relief for federal student loan borrowers.Your payments will automatically stop from March 13, 2020, through Sept. 30, 2020.
To provide relief to student loan borrowers during the COVID-19 national emergency, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payment. This suspension of payments will last until Sept. 30, 2020, but you can still make payments if you choose. Be sure to contact your loan servicer to verify all details, including how interest on your student loan may accrue during the administrative forbearance. Again, please note that a forbearance is NOT the same as loan forgiveness.