{"id":12666,"date":"2023-09-12T09:00:00","date_gmt":"2023-09-12T13:00:00","guid":{"rendered":"https:\/\/www.duncanlawonline.com\/staging\/8350\/?p=12666"},"modified":"2023-05-11T11:01:58","modified_gmt":"2023-05-11T15:01:58","slug":"can-i-get-student-loans-while-in-a-chapter-13-bankruptcy","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/can-i-get-student-loans-while-in-a-chapter-13-bankruptcy\/","title":{"rendered":"Can I Get Student Loans While in a Chapter 13 Bankruptcy?"},"content":{"rendered":"<p>[av_section min_height=&#8221; min_height_px=&#8217;500px&#8217; padding=&#8217;default&#8217; shadow=&#8217;no-shadow&#8217; bottom_border=&#8217;no-border-styling&#8217; id=&#8221; color=&#8217;main_color&#8217; custom_bg=&#8217;#d7d8ca&#8217; src=&#8221; attachment=&#8221; attachment_size=&#8221; attach=&#8217;scroll&#8217; position=&#8217;top left&#8217; repeat=&#8217;no-repeat&#8217; video=&#8221; video_ratio=&#8217;16:9&#8242; overlay_opacity=&#8217;0.5&#8242; overlay_color=&#8221; overlay_pattern=&#8221; overlay_custom_pattern=&#8221; av_uid=&#8217;av-2363oje&#8217;]<\/p>\n<p>[av_heading heading=&#8217;Can I Get Student Loans While in a Chapter 13 Bankruptcy?&#8217; tag=&#8217;h1&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-e52xnay&#8217;][\/av_heading]<\/p>\n<p>[\/av_section][av_heading heading=&#8217;Overview of Chapter 13 Bankruptcy&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; margin_sync=&#8217;true&#8217; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqp3kw1&#8242; custom_class=&#8221; admin_preview_bg=&#8221;][\/av_heading]<\/p>\n<p>[av_heading heading=&#8217;INTRODUCTION&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-dgkaize&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmu2do&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<strong><span data-preserver-spaces=\"true\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft  wp-image-12670\" src=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/04\/Graduate-with-Student-Loans.jpg\" alt=\"Graduate with student loans\" width=\"205\" height=\"308\" \/>Definition and purpose<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Chapter 13 bankruptcy is a legal process that helps individuals reorganize their debt under a repayment plan typically lasting three to five years. It&#8217;s designed to allow debtors to catch up on mortgages, car payments, and other secured debts while protecting their assets from being seized.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">Key features of Chapter 13<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Some key features of a\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/bankruptcy\/bankruptcy-types\/chapter-13-bankruptcy\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Chapter 13 bankruptcy<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0include:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Consolidating unsecured debts into a single monthly payment<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Stopping foreclosure and repossession actions<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Potentially discharging a portion of unsecured debts<\/span><\/li>\n<\/ul>\n<p>[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Importance of education financing&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-d1wbbq2&#8242;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmuh8i&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<strong><span data-preserver-spaces=\"true\">The rising cost of education<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Higher education costs have been rising for years, making it challenging for many individuals to afford college without financial assistance.<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">The role of student loans in funding education<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Student loans are crucial in helping millions of Americans achieve their educational goals. However, when faced with financial difficulties that lead to bankruptcy, individuals often wonder if they can still obtain student loans.<\/span><br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;UNDERSTANDING THE CHAPTER 13 BANKRUPTCY PROCESS&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-chbdddm&#8217;][\/av_heading]<\/p>\n<p>[av_heading heading=&#8217;Eligibility requirements&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-c7d6zui&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmwjrf&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<span data-preserver-spaces=\"true\">To be eligible for Chapter 13 bankruptcy, you must:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Have a regular source of income<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Have unsecured debts below a specific limit<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Have secured debts below a certain limit<\/span><\/li>\n<\/ul>\n<p>[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Filing for Chapter 13 bankruptcy&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-bx9053u&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmwsei&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<span data-preserver-spaces=\"true\">When filing for Chapter 13 bankruptcy, you&#8217;ll need to submit various documents, including schedules of assets, liabilities, income, expenses, and a proposed repayment plan. Again, a\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/bankruptcy\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">bankruptcy<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0attorney can help guide you through this process.<\/span><br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;The Role of the Bankruptcy Trustee&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-bflk75m&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmx1x3&#8242; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<span data-preserver-spaces=\"true\">A\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/bankruptcy-trustee\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">bankruptcy trustee<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0is appointed to oversee your case and ensure that you make payments according to your repayment plan. The trustee will also review your financial situation and make recommendations to the court.<\/span><br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Creating and confirming a repayment plan&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-ax2uzy2&#8242;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmxcjv&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nThe repayment plan outlines how you will pay back your debts over three to five years. First, the court and your creditors must approve the plan. Once confirmed, you&#8217;ll make monthly payments to the trustee, who will distribute the funds to your creditors.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Discharge of debts after successful completion of the repayment plan&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-a79d2be&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmw6jl&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nAfter you&#8217;ve completed the repayment plan, the court will discharge any remaining eligible debts, giving you a fresh financial start.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;STUDENT LOANS AND BANKRUPTCY&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-9r4muuy&#8217;][\/av_heading]<\/p>\n<p>[av_heading heading=&#8217;Types of student loans&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-y57tbu&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmzo6v&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<strong>Federal student loans:<\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">The U.S. Department of Education funds federal student loans and offer various benefits, such as income-driven repayment plans, loan forgiveness programs, and fixed interest rates. Some common types of federal loans include:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Direct Subsidized Loans<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Direct Unsubsidized Loans<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Direct PLUS Loans<\/span><\/li>\n<\/ul>\n<p><strong>Private student loans:<\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Banks, credit unions, and other private lenders provide private student loans. These loans often have higher interest rates and fewer borrower protections than federal loans. Approval and interest rates for private loans are usually based on your credit history.<\/span><br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;The challenge of discharging student loans in bankruptcy&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-8unhy8q&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqmzzgd&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nDischarging student loans in bankruptcy is notoriously tricky. In most cases, borrowers must prove &#8220;<a href=\"https:\/\/www.abi.org\/member-resources\/blog\/discharging-student-loan-debt-the-brunner-test\">undue hardship<\/a>&#8221; by demonstrating that repaying the loans would impose an excessive financial burden. Unfortunately, this standard is challenging to meet. Only a small percentage of borrowers succeed in discharging their student loans through bankruptcy.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Impact of bankruptcy on obtaining student loans&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-ulzhcq&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn08vu&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nBankruptcy can make obtaining student loans more challenging. It may impact your eligibility for federal loans and make it harder to secure private loans due to a lower credit score. However, it&#8217;s not impossible. Proper planning and understanding of the process allow you to pursue higher education while in bankruptcy.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;OBTAINING FEDERAL STUDENT LOANS DURING CHAPTER 13 BANKRUPTCY&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-84c75mi&#8217;][\/av_heading]<\/p>\n<p>[av_heading heading=&#8217;Eligibility criteria for federal student loans&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-7nt0462&#8242;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn0too&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<span data-preserver-spaces=\"true\">To be eligible for federal student loans, you must:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Be enrolled at least half-time in a suitable degree or certificate program<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Demonstrate financial need (for some loans)<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Maintain satisfactory academic progress<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Not be in default on any federal student loans<\/span><\/li>\n<\/ul>\n<p>[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;The impact of an active Chapter 13 bankruptcy on eligibility&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-774zgpm&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn1ay0&#8242; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nAn active Chapter 13 bankruptcy does not automatically disqualify you from obtaining federal student loans. However, you may need to obtain permission from the bankruptcy court and meet other requirements to be eligible.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Seeking permission from the bankruptcy court&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-6mn0oe2&#8242;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn1ysh&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<strong>1. Demonstrating the necessity of student loans<\/strong><br \/>\nTo obtain federal student loans during Chapter 13 bankruptcy, you must demonstrate that the loans are necessary for your education and that getting an education will help improve your financial situation in the long run.<\/p>\n<p><strong>2. Obtaining written approval from the bankruptcy trustee<\/strong><br \/>\nBefore applying for student loans, you&#8217;ll need written approval from your bankruptcy trustee. The trustee will review your financial situation, educational goals, and proposed loan amounts to determine if the loans are in your best interest.<\/p>\n<p><strong>3. Filing a motion with the bankruptcy court<\/strong><br \/>\nWith the trustee&#8217;s approval, you&#8217;ll need to file a motion with the bankruptcy court, requesting permission to incur new debt in student loans. The court will review your motion, and if granted, you can proceed with applying for federal student loans.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Possible outcomes and implications&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-69t0ayi&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn2ec9&#8242; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nIf the court approves your request, you can apply for federal student loans and continue your education. However, remember that these loans will need to be repaid after graduation, so it&#8217;s crucial to borrow responsibly and consider the long-term implications of taking on additional debt during bankruptcy.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;OBTAINING PRIVATE STUDENT LOANS DURING CHAPTER 13 BANKRUPTCY&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-5pliqvu&#8217;][\/av_heading]<\/p>\n<p>[av_heading heading=&#8217;Credit checks and private student loan eligibility&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-5gihcai&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn3lyc&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nUnlike federal student loans, private student loans typically require a credit check to determine your eligibility and interest rate. Lenders will review your credit history, credit score, and other factors to decide whether to approve your loan application.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;The impact of Chapter 13 bankruptcy on credit score&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-4w1na0q&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn3v8m&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<span data-preserver-spaces=\"true\">Filing for Chapter 13 bankruptcy can significantly impact your credit score, making it more challenging to secure private student loans. In addition, bankruptcy remains on your\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/bankruptcy-credit-report\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">credit report<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0for up to seven years, which can affect your ability to borrow during that time.<\/span><br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Strategies for obtaining private student loans&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-4k6rha2&#8242;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn4a3j&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<strong>1. Utilizing a creditworthy cosigner<\/strong><br \/>\nSuppose you have a low credit score due to bankruptcy. In that case, one option is to apply for private student loans with a creditworthy cosigner. A cosigner with a strong credit history can improve your chances of getting approved. In addition, it may help you secure a lower interest rate.<\/p>\n<p><strong>2. Rebuilding credit before applying for loans<\/strong><br \/>\nBefore applying for private student loans, consider taking steps to rebuild your credit. For example, pay your bills on time, reduce your credit utilization, and avoid applying for multiple new credit accounts simultaneously. You may become more eligible for private student loans as your credit score improves.<\/p>\n<p><strong>3. Exploring alternative financing options<\/strong><br \/>\nIf private student loans are not an option, explore alternative financing options, such as personal loans, home equity loans, or loans from family members.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;ALTERNATIVE FINANCIAL AID OPTIONS&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-41diwnu&#8217;][\/av_heading]<\/p>\n<p>[av_heading heading=&#8217;Scholarships and grants&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-c0fefu&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn4ybq&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<strong>1. Need-based grants<\/strong><br \/>\nNeed-based grants are awarded based on your financial need and do not need to be repaid. Examples include the Federal Pell Grant and the Federal Supplemental Educational Opportunity Grant (FSEOG).<\/p>\n<p><strong>2. Merit-based scholarships<\/strong><br \/>\nMerit-based scholarships are awarded based on your academic achievements, talents, or other accomplishments. These scholarships can come from colleges, private organizations, or foundations.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Work-study programs&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-2vxr7bu&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn5ey9&#8242; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nFederal work-study programs provide part-time jobs for eligible students to help pay for education expenses. In addition, the program encourages community service work and work related to your field of study.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Employer-sponsored tuition assistance programs&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-2gc2v8a&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn5tzc&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nSome employers offer tuition assistance programs to help employees pay for higher education. Check with your employer to see if they provide any educational benefits.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;CONCLUSION&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-1wdcdqy&#8217;][\/av_heading]<\/p>\n<p>[av_heading heading=&#8217;Navigating the challenges of obtaining student loans during Chapter 13 bankruptcy&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-1r42oje&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn6htk&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nObtaining student loans while in Chapter 13 bankruptcy can be challenging but possible. With careful planning and understanding of the process, you can still pursue higher education and improve your financial future.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Importance of exploring all available financial aid options&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-z819yy&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn6zuo&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nExploring all available financial aid options, including federal student loans, private student loans, scholarships, grants, work-study programs, and employer-sponsored tuition assistance programs, is essential. You can find the best financial aid package to fit your needs by considering all your options.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Pursuing higher education as an investment in a brighter financial future&#8217; tag=&#8217;h3&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-tx3k9m&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lgqn7jhz&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\nPursuing higher education can be an investment in a brighter financial future. Despite the challenges of obtaining student loans during bankruptcy, getting a degree or certificate can open up new career opportunities and increase your earning potential.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_hr class=&#8217;default&#8217; height=&#8217;50&#8217; shadow=&#8217;no-shadow&#8217; position=&#8217;center&#8217; custom_border=&#8217;av-border-thin&#8217; custom_width=&#8217;50px&#8217; custom_border_color=&#8221; custom_margin_top=&#8217;30px&#8217; custom_margin_bottom=&#8217;30px&#8217; icon_select=&#8217;yes&#8217; custom_icon_color=&#8221; icon=&#8217;ue808&#8242; av_uid=&#8217;av-1hnp5zu&#8217;]<\/p>\n<p>[av_social_share title=&#8217;Share this entry&#8217; style=&#8221; buttons=&#8221; share_facebook=&#8221; share_twitter=&#8221; share_pinterest=&#8221; share_gplus=&#8221; share_reddit=&#8221; share_linkedin=&#8221; share_tumblr=&#8221; share_vk=&#8221; share_mail=&#8221; av_uid=&#8217;av-11ucc6y&#8217;]<\/p>\n<p>[av_comments_list av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av_uid=&#8217;av-m749x6&#8242;]<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":12670,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[5,6,7,10,39,4058],"tags":[],"class_list":["post-12666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-after-you-file","category-bankruptcy","category-chapter-13","category-duncan-law-blog","category-student-loans","category-trustee"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can I Get Student Loans While in a Chapter 13 Bankruptcy? - Bankruptcy Lawyers | Charlotte, Greensboro, Winston-Salem, Asheville, Salisbury &amp; High Point, NC<\/title>\n<meta name=\"description\" content=\"Learn whether you are able to get student loans if you are currently in a Chapter 13 bankruptcy. 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