Student loans are very difficult, but not entirely impossible to discharge in bankruptcy. To do this, you must prove that the payment of the debt “will impose an unwelcome and undue hardship.”
Courts use different criteria to evaluate whether a particular owner of debt has shown an undue hardship. If you can, with success, prove you have an undue hardship, your student loan can be completely canceled. Filing for bankruptcy to help with your student loan debt also automatically protects you from collection actions on all of your debts, or at least until the bankruptcy case is resolved or at least until the debt creditor gets permission from the court to resume collection again.