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Student loan help Form: What You Should Know
Student Loan Debt | Federal Student Aid For more than 70 years, Federal Student Aid and the Department of Education have worked together, creating loan programs and services that help you and your family get the education you need, afford and succeed. Federal Student Loan Repayment Plan The Federal student loan repayment plan (SLR) is designed to meet one of the most important goals of your student loan: to help you manage your debts. Student loans are dischargeable in bankruptcy (except FEEL loans) only if both of the following conditions are met: the debts were incurred as a result of deliberate misconduct by you or your spouse; and the debts have been paid in fully (after offsets) for a period of at least 5 years. In addition, a Student Loan Repayment Plan is only discharged for student loans that you took on after January 1, 2006. (No repayment plans apply to loans that were taken on prior to January 1, 2006.) Student Loan Discharge The Student Loan Discharge has been extended to cover more loans. The new requirements apply to all federal loan borrowers: 1) you or your spouse was the borrower as of January 1, 2009, AND 2) you or your spouse is more than 50 months from the date you stopped repaying.
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