Student loans, the largest form of debt in USA after mortgage debt, are almost impossible to discharge in bankruptcy, unless you are able to prove that repaying your student loans would cause an undue hardship to you. The latest reports on Student loan delinquency show that borrowers are having a hard time paying off their loans. This fact raises the question of why the bankruptcy process is so difficult that it makes discharging student loans nearly impossible? Here is the reason why: Student Loans were dischargeable before 1976. However, the introduction of the US Bankruptcy Code (11 USC 101 et seq) in 1978 limited the chances of education loans being discharged. Following the new code, ma
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