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As far as I understand, it is very difficult to clear student loan debt via bankruptcy.

It is. People came up with the same plan. I believe it was popular with lawyers, but I could be mistaken.

Get your degree, file for bankruptcy. Since they can't take your degree away and you have no collateral, there wasn't much they could do.

The inability to relieve debt through bankruptcy is a result of that scam.

Yes, it was doctors and lawyers. Get out of school, declare banktupcy on $100+k of debt (abnormal at the time except for those degrees) and then in 7 years, start over with all the money you saved as a Junior doctor/lawyer.

I think the parent meant bankruptcy as in not having any money for anything in your college years.

You are correct Student loan debt can not be discharged in bankruptcy.

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