29th Sep 2014
Proving hardship requires showing that 1) you are unable to provide a minimum standard of living for yourself and your dependents if you are required to repay the loan, 2) additional circumstances exist indicating that your situation is likely to persist; and 3) you have made a good faith effort to repay the loans. Some courts will discharge part of the loan on a showing that repaying it all would be a hardship.
Be warned, it is near impossible for a debtor to show undue hardship.
Student loans are sometimes unenforceable due to school closures, fraud, etc. Chapter 13 can provide a way to cure defaults on student loans, or to pay them off over the course of the plan.