However, Chapter 13 treats the student loans more like your credit or medical bills, i.e.

I have got around $40k as student loans along with a number of other small credit card debts. Though I’m eligible for Chapter 7, I came to know that student loans can’t be discharged through it. So, in that case, can I opt for Bk13 or even that won’t allow me to include the student debts?

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You’re right. Student debts are usually non-dischargeable in bankruptcy. However, Chapter 13 treats the student loans more like your credit or medical bills, i.e. like non-priority unsecured debts. You don’t need to pay it off in full through the bankruptcy payment plan - you can include them nevertheless. Bk13 can help to delay or lower your student loan obligations.


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