{"id":1132,"date":"2022-07-16T12:30:45","date_gmt":"2022-07-16T12:30:45","guid":{"rendered":"https:\/\/scottharrislaw.com\/?page_id=1132"},"modified":"2022-07-23T12:48:53","modified_gmt":"2022-07-23T12:48:53","slug":"student-loan-debt","status":"publish","type":"page","link":"https:\/\/scottharrislaw.com\/student-loan-debt\/","title":{"rendered":"Student Loan Debt"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1132\" class=\"elementor elementor-1132\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65c1362 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65c1362\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b85af0\" data-id=\"4b85af0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c980421 elementor-widget elementor-widget-heading\" data-id=\"c980421\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Student Loan Debt Attorney in Oklahoma, Oklahoma\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80c06d0 elementor-widget elementor-widget-text-editor\" data-id=\"80c06d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Today&#8217;s United States citizens owe a big amount of money in student loan debt alone. This debt problem is financially debilitating for many families, leading them to fall short on other payments and forgo numerous basic requirements. Although the purpose of student loans is to help people attend college so they may improve their financial situation, for many people, the reality is quite the reverse for many people. With the state of the employment market, student debt prevents many families from thriving. Student loans are not among the normal types of debt that bankruptcy often eliminates or lessens, although many people turn to bankruptcy.<\/span><\/p><p><span style=\"font-weight: 400;\">Our trusted Oklahoma student loan debt attorney will help you understand how to escape certain challenging circumstances brought on by your debt and can guide you through the complex world of student loans.<\/span><\/p><p><span style=\"font-weight: 400;\">If you tried to assess your student loan debt on your own, you might not have had access to the resources and tools that Scott Harris Law, PLLC can give you. Regarding your legal rights and alternatives, our Oklahoma student loan debt lawyer may offer you legal advice and assistance. <\/span><a href=\"https:\/\/scottharrislaw.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Schedule an appointment today to put an end to your school loan debt!<\/span><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27a4e11 elementor-widget elementor-widget-heading\" data-id=\"27a4e11\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why do I need a School Loan Debt Attorney in Oklahoma?\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-434a7e3 elementor-widget elementor-widget-text-editor\" data-id=\"434a7e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">People believe that nothing can be done but suffer through student loan debt for years upon years because it is often believed to be &#8220;unbankruptable.&#8221; Although debt from student loans is often not wiped in bankruptcy, this isn&#8217;t always the case. With the assistance of a student loan debt lawyer, you should thoroughly research your alternatives for a student loan resolution because bankruptcy courts do have the authority to discharge student loan debt under specific circumstances.<\/span><\/p><p><span style=\"font-weight: 400;\">It is true that managing student loan debt is a challenging situation that can be disconcerting and overwhelming, but when you have an experienced student loan debt lawyer on your side, you can anticipate feeling confident and at ease throughout the entire process and knowing that you are both diligently working to ensure that you get a result that works for you.<\/span><\/p><p><span style=\"font-weight: 400;\">Scott Harris Law, PLLC can help you settle your debts and find the best debt relief option that suits your situation. Contact us now and our skilled student loan debt lawyer can help you with your legal case.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17dd140 elementor-widget elementor-widget-heading\" data-id=\"17dd140\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is Student Loan Debt?\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56a5294 elementor-widget elementor-widget-text-editor\" data-id=\"56a5294\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignright wp-image-1135\" title=\"student loan debt attorney oklahoma\" src=\"https:\/\/scottharrislaw.com\/wp-content\/uploads\/2022\/07\/student-loans-attorneys-300x200.webp\" alt=\"student loan debt attorney oklahoma\" width=\"400\" height=\"267\" srcset=\"https:\/\/scottharrislaw.com\/wp-content\/uploads\/2022\/07\/student-loans-attorneys-300x200.webp 300w, https:\/\/scottharrislaw.com\/wp-content\/uploads\/2022\/07\/student-loans-attorneys-1024x683.webp 1024w, https:\/\/scottharrislaw.com\/wp-content\/uploads\/2022\/07\/student-loans-attorneys-768x512.webp 768w, https:\/\/scottharrislaw.com\/wp-content\/uploads\/2022\/07\/student-loans-attorneys-1536x1024.webp 1536w, https:\/\/scottharrislaw.com\/wp-content\/uploads\/2022\/07\/student-loans-attorneys-2048x1365.webp 2048w, https:\/\/scottharrislaw.com\/wp-content\/uploads\/2022\/07\/student-loans-attorneys-1200x800.webp 1200w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/> Student loan debt\u00a0refers to money owed on loans obtained to cover educational costs. Student loans are now often the only way for many students to pay for college due to the quickly rising cost of tuition.<\/span> <span style=\"font-weight: 400;\">It usually occurs when a student takes out loans to pay for the percentage of their tuition that cannot be covered by grants, their own assets, loans from their parents or guardians, scholarships, or other financial aid.<\/span><\/p><p><span style=\"font-weight: 400;\">Although it is possible for students to save money to put toward the expense of higher education, the likelihood of meeting such fees without financial support is dwindling due to the rising cost of that education at many schools.<\/span><\/p><p><a href=\"https:\/\/scottharrislaw.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">To understand more regarding Student Loan Debt, call our Oklahoma Student Loan Debt right away.<\/span><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c81415 elementor-widget elementor-widget-heading\" data-id=\"6c81415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Plans for Income-Based Repayment to Assist in Paying Off Student Loan Debt\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f63f65 elementor-widget elementor-widget-text-editor\" data-id=\"5f63f65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">One of the following programs may be available to you if your income is unstable or low or if your student loan debt is excessive in relation to your income.<\/span><\/p><h3><b>Income Contingent Repayment Plan (ICR)<\/b><\/h3><p><span style=\"font-weight: 400;\">You can choose this type of plan, which bases your payment amount on your income, when\u00a0you have a federal Direct Loan. Your payment per month in this plan is the lesser of:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">20% of your discretionary income<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the sum that, based on your salary, you have to pay over the course of a 12-year repayment schedule with a fixed payment.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">After 25 years, the government would forgive any remaining loan debt if it hasn&#8217;t been repaid in full.<\/span><\/p><h3><b>Income Sensitive Repayment Plan (ISR)<\/b><\/h3><p><span style=\"font-weight: 400;\">Your payments through this type of plan, which is offered only for specific loan types, including unsubsidized and subsidized Federal Stafford Loans, FFEL Consolidation\u00a0Loans, and FFEL PLUS\u00a0Loans, depending on your annual income, the size of your family, and the total loan amount.<\/span><\/p><h3><b>Income-Based Repayment Plan (IBR)<\/b><\/h3><p><span style=\"font-weight: 400;\">An Income-Based Repayment\u00a0plan is available for:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unsubsidized and Subsidized Direct Loans<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stafford Loans, Subsidized and Unsubsidized<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All student PLUS loans made, and<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct or FFEL Consolidation Loans that exclude Direct or FFEL PLUS Loans to parents.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">If you are a new borrower on or after July 1, 2014, this plan requires payments equal to 10% of your discretionary income, but never above the 10-year standard repayment plan amount, or 15% of your discretionary income, but never above the 10-year standard repayment plan amount, if you are not a new borrower on or after July 1, 2014.<\/span><\/p><p><span style=\"font-weight: 400;\">The government will forgive the outstanding sum on your loan if you still owe money after 20 years (for new borrowers on or after July 1, 2014) or 25 years (if you weren&#8217;t a new borrower on or after July 1, 2014).<\/span><\/p><h3><b>Pay As You Earn Repayment Plan (PAYE)<\/b><\/h3><p><span style=\"font-weight: 400;\">Your monthly payments under this plan will never be more than 10% of your discretionary income throughout the 10-year repayment period. (Payments that under standard repayment plan have a set amount.)<\/span><\/p><p><span style=\"font-weight: 400;\">The following types of loans are eligible for this repayment plan:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unsubsidized and Subsidized Direct Loans<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Made-to-students\u00a0Direct PLUS loans, and<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PLUS loans (Direct or FFEL) given to parents are excluded from Direct Consolidation Loans.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The remainder of your debt is forgiven if you have not paid it off in full after 20 years.<\/span><\/p><h3><b>Revised Pay As You Earn Repayment Plan (REPAYE)<\/b><\/h3><p><span style=\"font-weight: 400;\">This plan&#8217;s monthly contributions are 10% of your discretionary income, similar to PAYE. If you haven&#8217;t repaid the debt in full after 20 or 25 years, the remaining sum is forgiven. Loans from the following categories are qualified for REPAYE:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unsubsidized and Subsidized Direct Loans<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Made-to-students\u00a0Direct PLUS loans, and<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PLUS loans (Direct or FFEL) given to parents are excluded from Direct Consolidation Loans.<\/span><\/li><\/ul><h3><b>Alternative Plans for Paying Off Student Loan Debt<\/b><\/h3><p><span style=\"font-weight: 400;\">Standard repayment plans, graduated repayment plans, and extended repayment plans are further repayment schedule options.<\/span><\/p><p><span style=\"font-weight: 400;\">Get in touch with our <\/span><a href=\"https:\/\/scottharrislaw.com\/bankruptcy\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Oklahoma bankruptcy attorney <\/span><\/a><span style=\"font-weight: 400;\">at Scott Harris Law, PLLC to learn the details of the student loan payment program suitable for you.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b0464 elementor-widget elementor-widget-heading\" data-id=\"b1b0464\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Happen If I Fall into Student Loan Default?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf9ae9d elementor-widget elementor-widget-text-editor\" data-id=\"bf9ae9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A federal student loan default can have substantial consequences, including wage garnishment, tax refund offsets, federal assistance intercepts, loss of eligibility for deferment, repayment plans, and likely forbearance.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56d1a28 elementor-widget elementor-widget-heading\" data-id=\"56d1a28\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consolidating Your Student Loans To Lower Interest and Payments\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5bc66a elementor-widget elementor-widget-text-editor\" data-id=\"e5bc66a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">You can consolidate one or even\u00a0more of your federal student loans into a single loan with a single monthly payment using a direct consolidation loan. If you wish to lower your interest rate, you are not\u00a0eligible for another\u00a0plan program, you do but still find it difficult to make the payments, or you need to exit default. This type of loan may be beneficial.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7ee47d elementor-widget elementor-widget-heading\" data-id=\"f7ee47d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Student Loan Debt Deferment to Delay Student Loan Payment\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2e7b96 elementor-widget elementor-widget-text-editor\" data-id=\"c2e7b96\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A deferment allows you to postpone paying back your student loans for a predetermined period of time due to a particular circumstance in your life, such as going back to school, experiencing financial difficulty, or being unemployed. Subsidized loans won&#8217;t earn interest while they are being deferred.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de68d3c elementor-widget elementor-widget-heading\" data-id=\"de68d3c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtaining a Forbearance to Stop Paying Student Loans Temporarily\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04c9f78 elementor-widget elementor-widget-text-editor\" data-id=\"04c9f78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Through loan forbearance, your loan holder\u00a0authorizes you to temporarily make lower payments or to stop making payments altogether for a predetermined period of time. Poor health, unexpected personal issues, inability to repay the debt within ten years (or another long-term period), or month-to-month loan payments that consume more than 20% of your salary are all common grounds for deferment.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-998d4bd elementor-widget elementor-widget-heading\" data-id=\"998d4bd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Getting Rid of Student Loan Debt by Cancelling Loans\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-635ec97 elementor-widget elementor-widget-text-editor\" data-id=\"635ec97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It is possible to completely eliminate your student debt in some circumstances, which is known as student loan cancellation, discharge, or forgiveness. You must adhere to very strict requirements. You may be able to cancel some of the loans but not all of them in some cases.<\/span><\/p><p><span style=\"font-weight: 400;\">The following situations may allow you to cancel your student loan:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You went to or were enrolled in such a school that shut its doors while you&#8217;re there, before you began taking lessons, or shortly after.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Due to your absence or withdrawal, your school declined to provide you with the money it owed you.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your school did not confirm that you were eligible to enroll in the &#8220;false certification&#8221; program.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After graduating, you may pursue careers in teaching or other public service positions.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have a total and permanent handicap that prevents you from working and is predicted to last for at least five years or cause your death.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The loan debt is discharged in the event of death of the borrower.<\/span><\/li><\/ul><p><a href=\"https:\/\/scottharrislaw.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Make an appointment today with our skilled student loan debt lawyer in Oklahoma to discuss this topic further.<\/span><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7feeb98 elementor-widget elementor-widget-heading\" data-id=\"7feeb98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bankruptcy for Student Loan Debt\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ecb337 elementor-widget elementor-widget-text-editor\" data-id=\"4ecb337\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It is highly challenging to have student loan debt dismissed through bankruptcy under U.S. law. The borrower must meet the high standard of proving that paying their student debts will cause them an &#8220;undue hardship&#8221; in order to be granted a discharge. However, if you petition for Chapter 13 bankruptcy, you might be allowed to use your Chapter 13 plan to pay off all or a portion of your student loans.<\/span><\/p><p><span style=\"font-weight: 400;\">The test for determining whether there has been an undue hardship is set by case law. According to the Brunner test:\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If required to repay the student loans, the debtor is unable to sustain a &#8220;minimal&#8221; level of living for themselves and their dependents based on current income and expenses.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are more circumstances that point to the likelihood that this situation will continue for a large amount of the student loan repayment period; and<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The debtor\u00a0made sincere attempts to pay back the loans.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">According to some in the bankruptcy profession, the laws in a certain bankruptcy district as well as the judge working on the case can have a significant impact as to whether or not student loan\u00a0debt is forgiven.<\/span><\/p><p><a href=\"https:\/\/scottharrislaw.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Call our dependable Bankruptcy attorney at Scott Harris Law, PLLC right away to know more about how you can get out of Student Loan Debt through Bankruptcy.<\/span><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-614225e elementor-widget elementor-widget-heading\" data-id=\"614225e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Call our Oklahoma Student Loan Debt Attorney Now!\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42df306 elementor-widget elementor-widget-text-editor\" data-id=\"42df306\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">You should always seek the advice of a student loan lawyer with extensive experience in debt relief if you are having trouble paying back your student loans. In the past, Scott Harris Law, PLLC has successfully argued to have student loan debt erased and has assisted clients through various kinds of bankruptcies. <\/span><a href=\"https:\/\/scottharrislaw.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Please get in touch with us right immediately to set up a\u00a0consultation so we can discuss your issue.<\/span><\/a><span style=\"font-weight: 400;\"> Imagine how debt-free life might be like!<\/span><\/p><p><span style=\"font-weight: 400;\">Additionally, our reputable attorney will assist you if you have legal concerns about Debt Negotiation and Foreclosure Defense in Oklahoma.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Student Loan Debt Attorney in Oklahoma, Oklahoma Today&#8217;s United States citizens owe a big amount of money in student loan debt alone. This debt problem is financially debilitating for many families, leading them to fall short on other payments and forgo numerous basic requirements. Although the purpose of student loans is to help people attend [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1136,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/pages\/1132"}],"collection":[{"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/comments?post=1132"}],"version-history":[{"count":7,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/pages\/1132\/revisions"}],"predecessor-version":[{"id":1141,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/pages\/1132\/revisions\/1141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/media\/1136"}],"wp:attachment":[{"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/media?parent=1132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}