Most people get through with education with the help of loans especially when looking to get further education, say like at the university level. In the long run, it could prove to be difficult to pay up the student loan offered to you. When faced with such a situation, it is common for most people to seek bankruptcy claim as a way of shielding themselves from the possible outcomes.
However, it is important to know that student loans are not dischargeable even in the cases of bankruptcy. Student loans with government backing or nonprofit organizations backing have to be paid back in full whether you are in a position to do so or not. This therefore rules out a bankruptcy claim as a solution to your student loan problems.
The only way you can have your claim accepted is if you are in a position to prove extreme difficulty in paying up the loan which is hard to do. To do so, you might be required to prove that you are unable to keep up with the set payment schedule for your loan, that in future you have no hope of paying up the loan meaning that the current financial situation is definitely permanent. You also have to prove that you have done your best in trying to pay up but have failed.
Proving the above is what proves to be difficult for most people, therefore making it irrelevant to even try out a bankruptcy case on your student loan. It is virtually impossible to prove that your current financial position is permanent since even though you could be unemployed, it does not necessarily mean that you will not find great opportunities in the future. This makes it better for you to forget the possibility of having a bankruptcy claim work to your advantage since it is certain that it will not.
To get your student loan discharged, you can turn to other available solutions that could be of help in your situation. There are credit agencies that specialize in advising people faced with bankruptcy on the various options available for them to get off their financial woes. It is likely that you will find something that will work to your advantage in the counseling session bringing you relief.