private school loan dischargable?

[sweetiepie0815]

I tried to consolidate my student loan, but found out from my lender that my loan is a career training loan that is not federally guaranteed and is not eligable for federal consolidation. Does that mean I can include this loan in my bankruptcy filing and it will be discharged? The person I contacted at my lender (Sallie Mae) said that once they receive my First Meeting of Creditors, my loan will be placed on bankruptcy stay and when my bankruptcy has been completed, a Discharge of Debtors must be sent the them. From my understanding, I should be able to get this loan discharged, but I need guidance. Please advise.

[lrprn]

Unfortunately you would have been in a much better position to get this private student loan discharged before last October when the bankruptcy law changed to make it much harder to discharge private student loans. And Sallie Mae is a notoriously difficult lender to work with.

The Moran Law website has a good explanation about what your options may be with private and government student loans in bankruptcy - http://www.moranlaw.net/studentloans.htm . Also if you are filing Ch 7 with a lawyer, he/she will be able to advise you whether your student loans can be discharged or not. Hope for your sake yours are dischargeable. Be sure to come back with more questions or just to vent - that's why we're here. Keep us posted on what happens, ok?

[HHM]

I doubt you will get it discharged, to get any student loan discharged these days, you pretty much have to show you would be destitute but for your student loan. Sorry...