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Dischargeability of student loans in bankruptcy mirrors Jewish control

of the USA: The restrictions in one form or another on di...
Pope Leo XXX
  07/16/25


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Date: July 16th, 2025 6:46 AM
Author: Pope Leo XXX

of the USA:

The restrictions in one form or another on discharging student loans via bankruptcy go all the way back to 1976.

1976: Government-backed student loans became non-dischargeable for five years after entering repayment, unless the borrower could prove undue hardship.

1978: The Bankruptcy Reform Act of 1978 moved the exception for student loans into the U.S. Bankruptcy Code, solidifying this restriction.

1984: Restrictions on discharge were expanded to include private loans funded or guaranteed by a governmental unit or non-profit institution.

1990: The waiting period before a student loan could be potentially discharged was extended to seven years after repayment began.

1998: The Higher Education Amendments eliminated the waiting period altogether, making student loans (both federal and private) non-dischargeable unless the borrower could prove "undue hardship". This remains the primary hurdle for borrowers seeking to discharge their loans through bankruptcy.

2005: The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) further tightened the rules, making most private student loans nondischargeable as well, regardless of whether they were guaranteed by a governmental entity or non-profit organization.

https://www.savingforcollege.com/article/history-of-student-loans-bankruptcy-discharge#:~:text=Until%201976%2C%20when%20a%20new,it%20in%20the%2021st%20century



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