This is crazy 81k just like that! GONE!! Federal student loans! Not private loans, federal student loans! Loans that are usually not dischargeable.
I filed under something called 523A, I qualified under “undue hardship.” I filed pro se and used UPSOLVE, my Ch 7 was discharged about 2 months ago and this just came as excellent news.
My debt to income ratio is now 0!!. I have successtully cleared over $120k debt without using an attorney. I am not the smartest or savviest, it was a long ass process, preparation to file started last year in 2025.
But if you are in a similar situation, individual, no income lol, no assets! I would recommend Upsolve. Even my $348 file fee was waived. It cost me about $150 total for fees, printing papers, mailing letters, an amendment of schedules E/F, and months of time to clear out $120k.
Definitely worth it.
Fico is 640 up from 480 in March this year when I filed.
Only CC I could get approved for was Milestone Lol. $125 annual fee. Absolutely horrible card.
I couldn’t get secured cards, self builder, open sky, credit one, discover it, credit union, none of the cards y’all. I Will keep this for a year and apply for something better and close this card out. No way in hell going to be paying $125 each year.
But yes file the Ch. 7 and Adverse Proceeding for Student Loans!
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