Up until October 1998, student loans were discharged through Chapter 7 bankruptcy if the first payment on the loan became due more than seven years prior to the date of filing. In October 1998, President Clinton signed a new law into effect that disqualified all student loans from discharge. Sagaria Law here in San Jose can still help you obtain relief from your student loan debts through the use of Chapter 13 bankruptcy.

Under Chapter 13 bankruptcy, our attorneys can consolidate your student loan debt, along with any other outstanding bills, and arrange an interest free repayment plan, so that you do not have to suffer through the burden of garnishments, harassment and other collection efforts by student loan agencies. We may even be able to reduce the amount paid to the student loan agency during the course of your Chapter 13 bankruptcy so that your consolidation payment is as low as possible. If you would like to find out more about how a San Jose Sagaria Law attorney can ease the burden of student loan debts through the use of Chapter 13, call our San Jose office to speak directly with a Sagaria Law attorney.