Justin Draeger: I am Justin Draeger, spokesperson for The National Association of Students Financial Aid Administrators. Today I am going to be talking to you about bankruptcy, student loan discharge and total impermanent disability.

Host: Can student loans be dismissed through bankruptcy?

Justin Draeger: Generally, student loans can not be dismissed through bankruptcy. There was a time when it was easier for students who have their loans discharged where they are absolved from any responsibility if they were to declare bankruptcy. That is no longer in the case, only in very unique circumstances where student be able discharge or absolve themselves responsibilities on a federal student loan and that generally requires them going to court and showing that their loan, their student loan that is giving them an undue hardship.

By enlarge students who declare bankruptcy can receive some relief from having to make payments, through their bankruptcy arrangement or agreements to the court. But after they pull themselves out of bankruptcy, they will still be responsible for that student loan debt.