My husband went to college and had federal loans. He defaulted on them around 1993 and last year the finally caught up with him and started garnishing his wages. So we had them consolidated and they are with a company called Direct Loans, thru the ford foundation. I know when they were a federal loan, we could not put them on the bankruptcy filing, but since they are now with Direct Loans, does that mean they are no longer a federal obligation? Or can I just leave them out of the whole proceedings?
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