Student loans are no longer dischargable, except for "hardship". "Hardship" is very narrowly defined. For example, all persons filing bankruptcy are experiencing financial hardship. The issue is whether there is a neverending (no hope into future) hardship, such as a medical disability

If possible, do not default on your student loans. The amount that a collection agency can collect includes large collection fees and your interest rate may be increased substantially. A recent Alaska case indicates that the local student loan authorities can take your driver's license away if they have attempted to enter into payment arrangements with you without success.

Next Topic