WITH NEARLY $1 TRILLION IN STUDENT LOAN DEBT IN THE UNITED STATES, STUDENT LOAN BORROWERS HAVE A HUGE (AND INCREASING) NEED FOR LEGAL ASSISTANCE. THESE DAYS IT IS ALMOST IMPOSSIBLE FOR MOST STUDENTS TO ATTEND COLLEGE WITHOUT SOME KIND OF FINANCIAL AID. MOST STUDENTS WHO APPLY FOR AID RECEIVE STUDENT LOANS. THERE ARE TWO MAIN SOURCES FOR SUCH LOANS; PRIVATE LOANS AND FEDERAL LOANS. DEPENDING ON THE TYPES OF LOANS YOU HAVE THERE ARE SEVERAL REPAYMENT OR DISCHARGE OPTIONS AVAILABLE. Student loan collections have become much more aggressive in the past few years. We are frequently meeting with clients who are unable to work out any repayment plan with their creditors. The good news is that while you are in a bankruptcy the student loan creditor is deferred from collecting on the loan. In a chapter 13 case you either have the option to put your loan into a 5 years repayment plan or defer payments for the time you are in the bankruptcy. While you will see companies claiming to be able to discharge your student loan in bankruptcy it is current VERY difficult to do with the law in the current state. Most able bodied consumers do not qualify for student loan discharge but are able to restructure their loans either in bankruptcy or forbearance plan.