Dillon Law

The court can rule that settling the loan would impose severe hardships on the debtor. To meet this requirement, the debtor must show the court that a good-faith effort was made to repay the student loan, and that the debtor will be unable to maintain a minimum standard of living while repaying the loan. This is a specialized action and costly. You must show that you have no real chance at ever earning income and paying back the student loan.