Bankruptcy cases can be reopened. The trustee has nothing to do with determining whether a loan is discharged, the judge makes that decision. Usually, bankruptcy issues are decided based on the facts at the time you filed. There have been relatively few cases on the dischargeability of student loans based on hardship, so there is a chance at discharge. In order to have your student loans discharged, you usually have to exhaust all your other avenues to getting student loan relief. For example, if you have governmental student loans, have you attempted to get a pay-as-you-go plan? If private loans. Have you attempted to negotiate with the lenders? If not, you don't have much chance.
Answered on Jan 08th, 2016 at 4:39 PM