Unfortunately in FLorida, the judges have concluded that student loans are simply NEVER dischargeable. There are subtleties in the law, and other judges in other states have allowed discharge. But not here. Staying in a Chapter 13 bankruptcy can protect you from penalties and collections efforts, but interest still accrues. If you filed a Chapter 7 you are still on the hook for the obligations.
If you did file a Chapter 7 - you may wish to file a Chapter 13 just to protect yourself from the student loans.
Answered on May 10th, 2016 at 1:17 PM