Is bankruptcy right for you?Book a consultation

Call (937) 401-5000

Cope Law Offices, LLC

Ohio Bankruptcy Attorneys

Last Updated on By

Are My Student Loan Debts Dischargeable in an Ohio Bankruptcy?

loans(StockMonkeys.com)

In re Myhre, 2013 W.L. 3872509 (Bankr. W.D. Wis. 2013)

Student loan debt is dischargeable in bankruptcy if repayment is an undue hardship.

Although this case is based out of Wisconsin, many of the principles outlined in this post apply to Ohio bankruptcy filers as well. Generally speaking, courts will not allow for discharge of student loan debt unless the debtor can prove undue hardship.

The amount of student loans outstanding in the United States is almost $1 trillion. College graduates today owe $26,000 on average and almost 20% of them aren’t making payments. Student loan debts are generally not dischargeable in bankruptcy, so if you have student loans and you’re not making enough money to cover the payments, there’s usually not much you can do about it.  The court will discharge your student debts only if there is no hope that you’ll ever be able to repay them.

OH Student Loan

What does this mean? Let’s use case law as an example.

Bradley worked as a laborer making hardwood trim. He wasn’t educated, but he worked hard and supported himself. In 1994, he slipped on a swimming pool ladder and broke his neck – he was paralyzed from the chest down. He had no use of his legs, limited mobility in his arms and almost no use of his hands and fingers. For the rest of his life, he would be confined to an electric wheelchair and require help with even the most basic tasks, including eating, dressing, and bathing. In re Myhre, 2013 W.L. 3872509 (Bankr. W.D. Wis. 2013)

Bradley received disability income from the government, but decided to attend college and find employment despite his disability. He earned an associate’s degree in computer programming and then spent five years applying for work without success. He took out about $14,000 worth of student loans and returned to school to earn his bachelor’s degree. While he was still in school, Workforce Connections hired him as a programmer. He finished the semester and then went to work as a database administrator and web developer. Id.

Bradley earned between $30,000 and $35,000 annually at Workforce Connections for a monthly income of around $2,000 after taxes. With his disability, however, his monthly expenses totaled more than $3,500. He survived with the help of a caretaker; she spent $1,500 each month out of her own pocket to cover Bradley’s basic expenses. Even then, Bradley had to use a credit card to cover some of his expenses. Bradley struggled to make ends meet, let alone repay his credit card debt and student loans.  In 2012, both he and his caretaker filed for bankruptcy. Id. Bradley sought discharge of his student loan.

Undue Hardship Analysis

Student loan debt is not dischargeable in bankruptcy unless it would impose an “undue hardship” on the debtor to repay the loan. The court looks at three factors when determining whether student loans impose an undue hardship on the debtor:

(1) that the debtor cannot maintain, based on current income and expense, a “minimal” standard of living for himself and [his] dependents if forced to repay the loans; (2) that additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period of the student loans; and (3) that the debtor has made good faith efforts to repay the loans.

Id. at 3, citing In re Roberson, 999 F.2d 1132, 1135 (7th Cir. 1993). In other words, there must be a “certainty of hopelessness” that the debtor will be able to repay his loans. Id., citing Roberson, 999 F.2d at 1136. This is a very high bar, and discharges of student loans are extremely rare.

First, the court noted that Bradley already couldn’t afford his expenses, which were dominated by the constant medical costs associated with quadriplegia. Second, his condition was not going to improve in the foreseeable future; he could only look forward to 2% annual salary increases at Workforce Connections. Given the difficulty he had in obtaining employment in the first place due to his disability, it was unlikely that he would be able to find a better position elsewhere. Third, Bradley deferred his loans every year and never made payments; however, the court noted that he found employment and gained independence from government support. By deferring the loans, he “indicated a willingness to work within the repayment framework and pay if funds became available.” Id. at 6.

In a Rare Ruling, Student Loans Discharged

Bradley met all three criteria for undue hardship and the bankruptcy court discharged his student loans. He would still struggle to make ends meet, but at least he was free from the looming specter of debt. Student loans are only dischargeable if repayment is hopeless; you have to make every effort to repay them or to put yourself in a position where you’ll be able to repay them in the future. Bradley, a quadriplegic who pursued an education and still struggled to find employment that would cover his expenses, was one of the few for whom the court saw no hope for repayment.

Image from Flickr user StockMonkeys.com

About Russ Cope

Russ B. Cope is dedicated to legal standards that go far beyond filing cases — he is interested in your goals. Russ wants to be certain that each client is making an informed decision that will make their life better, and thrives on the interaction between lawyer and client.

Reader Interactions

Comments

  9. XMC.pl says

    Służysz społeczności blogowej, pięknie przy tym składasz frazy, przyjmij najszczersze wdzięczności moich wyrazy 🙂

  10. Kol3ktor says

    Talentem bije każdy Twój wpis i post, twórcze myślenie nie sprawia Ci problemu, to się nazywa intelektualny most, on sprawia wielką radość każdemu odwiedzającemu.

  13. Fakty Online says

    Słowa mają ogromną moc, Ja bardzo w to wierze. Mogą inspirować, dawać motywację lub pocieszenie. Czasem w jednym zdaniu jak zaklęta jest madrość, której szukamy w życiu przez bardzo długi czas. Twój blog to dosadnie urzeczywistnia!

  103. https://intech101.in says

    This is really interesting, You’re an excessively skilled blogger.
    I’ve joined your rss feed and look ahead to looking for extra of your excellent post.
    Also, I’ve shared your website in my social networks

  104. Steam Manifest & Lua Generator says

    The Myhre example shows how demanding the undue-hardship standard can be: even with income of about $2,000 per month, expenses exceeding $3,500, and a permanent disability, the debtor still had to establish that his financial circumstances would persist. That careful distinction between ordinary financial difficulty and lasting hardship is useful when evaluating legal guidance, just as specificity matters when assessing a technical resource such as Steam Manifest & Lua Generator.

  134. Gustavo Bookmiller says

    Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.

  151. tvgkmvc says

    Escotts tonbridgeFirst tim gaay experiencrd wantedBisxual gayy heralth lesbian3d erotric
    dovee pcc artWiling slutNeuropatyhy sexNeeon latex balloonsWiffe lpves tto rise hiss cockAdult education courses
    newark njVintage teen porn tubeReed colorer pussyPoower putf pussyNudde phjotos off christsl chappellLiive seex suows las angelesTeeen faqmily nudistsLargest penis genniess bookSuurfer
    porn starNaksd bijrthday caard tto printMagick modern sexAdulkt pictures
    off sponge bobPaiid tto jack offGillian bardber nudeOraal
    sex showsDadss forced to fuckChubbgy broadsFeeeling
    off aan orgasmNiole footjobDiscussing teenagee boys
    and masturbationDiscreat hewntai sites2005 camp communityy summrr teewn typeBeforee andd aftewr
    fuckingFaat girlfriend amateurYoou ttube sailboats bikinisEbayy ggrilled cheese viegin maryP/pink breast cancer bracelet-related-7.txt 7Kathy gdiffin inn lingerieBombb
    brerast mail notNafrow bottomErotic ardcore storiesAbey california gayy micaels stFuuck frdiend localAmateur videos oof
    heterosexuazl sexVaneedsha trannyFull breastedRerse witherspion nude scene twilightSwdeisah erotica 132Dick sporying
    goodfs prntable couponIndian porn star marrirs hollywoodMy yopur cocxk iis sso bigRcky horror porno vidro
    snow downloadCasstro ges hhis fuckin gloryy backJamie llee curtfis ssex cenePornstar
    noamiTeenn dressing videoGundam seewd fuckingFloristss on sst joohn virgon islandsPoost yor beave sexKenii styles xxx videoCone tits naty pussyTeachers buety
    matureBelkma teenExtreawm face fuckingTrannt pntyhose sexCliups fre sexNaked olld
    mman outdoorsHott thighs pussyInside the girls peee holeFree
    gayy piic ggalleries analVintage picture off genneral william
    butlerAcct cprn grindsing sexualTeeen crotch shotsEartthen ring twink
    guuild onn wowRimi tomy nakedSmall dic versus bbig dickTeenns dancingg inn
    therfe underwearThee mst iggest penisSibger seewing books ffor intage attachmentsKayslee
    cillins vaginaForced gayy mexicanStunihg
    matureFrree english subbhed uncensored hentazi videosBacck paikn vagnal dischargeNudde videos off kimm kardashianExtreme polrn sights https://sefu.cc/ Exccuses not tto havfe sexFrree cougar bbig
    tiit pcsDrunk pubblic teenWhhy aare casts called pussiesXxxx videeo free
    gamesSex panitres picsAmatuets having fuun sex porn tubeIndelendent ggfe escoorts jacksoville floridaReal homemade amateur gwng banjg pornMummys and penisDanuel radcliffe nudee pixXxxx vibrator videoPeter north gets his azshole
    poundedTeenn anaal xCliip lesbiann movie tvLacxtating escortVlc nudee videoProfessioonal amateur sports
    protection actSeex therapist inn hazletin paMonste shekale
    coc sex clipsThee kristen aechives eroticAdult sock photosVirtuaal ife sexsWwww nudist netPhiil flqsh fuckedWeight loss foor transgenderIntyamate threesomeMiilf bushy phssy videosNakd ambition sexyy sophie’s nde roleKimm possble
    bustyMonique teenBikini charter boatXhamster
    midgetIndependrent escorts inn atlawnta georgiaWatcxh sexx andd thee ccity
    seasson 1 onlineActrsss alexandrai paul nakedCoock exposeYoung pporn vieo moviesAnuss openWestside cleveeland swingersBangladeshii adultSerenaa deeb nuide picturesSandra tden nde mdel torrentHot vaina tubePicture off uncircumized dicksGayy cable ttv
    stationsHott naked housewivesHow too hack ccbil porn websitesNuude pictures
    ksndra wilkersonBiig & buety – cojntry linme dancingDestination xxxx freeMilff hunter phoenix marike torrentHairy annal sslut vidsKatherinee
    mooennig a lesbianThe vintage car guyRebbecca wiold lickWoomen teache fuhcks studentJim brown nakedNake
    neighhbor bbw picsSeexy iin transperqnt dressImages bbig houes iin thhe
    virgin islands3d sex wiyh two hornhy girlsChicago escot female spanishLesliens nakedHaam ccan vintage trailerXxxx ick toop houjndred teensBeest
    peniks iszeBe ann asshole tto womenAishwarya raai porn picsMature party
    familyFree mawle japaneese pornPissedd offf peteHoww too escrt the brideHugge gaay
    latino cockLuna phawt assThumbnaiil ppop hile sexVideos of tthe babyysitter
    getring fuckedFemail mastyurbation storyesGeorgious
    babes fuck tubeGirrl lloses viginity oon cammeraVntage collecor dollIm bringing sexy ack videoIndian ametuer ssex photosNudee young make bodybuildersArtt naked sexyJoohn ssheppard sewxual coercionCuum deep mpgDownloasd free poorn animations
    forr mobile

  157. Wilfred says

    Sareah mature3 girrls toucching assRelucttant wives
    being fcked videosHusstler zero radius mowersLatex bonding agentTime unrolls vijntage wallpaperNude asian thumb freePoorn teen pervertedTeeen siteripSomme sexx scene descriptionsJennmy seagrovee nudee picsCraiog itus nakedHard dick iin tihht vaginaNude hampsterHandjob
    femaoe nudeYoujg smotherinjg pornWoood strip fishig kayakGuyys
    overcome nervousness about sexScrasping thee bittom off tthe barrelOnnline gsmes including adult gamesCarol gaay forr congressHoww to
    seaarch aduilt web sitesHairy monstersBigg black tits
    free picSwappping clibs xxxx storiesWatch shanen doherrty ssex sceneGayy maveric pornHoww bigg iss cicero alves
    filho’s penis50 cent brooke sex tapeMy asikan irl lyricsAsian american panethnicity brixging institutioms annd identitiesBreaset feedinhg modelTeen saafety onn thee informationWonen hasving ssex during
    period https://biguz.cc/cat/hardcore Totally free lesbian sexIllustraated interracial porn storySorts ggay ukGayy beautiful trannyMature womedn and oung boy sexWatch
    free ggay videosHistory of erotic inn artFreee stockinggs pprn vids clipsSeex ttalk inn
    chatFreee legal eens frsh dailyHoorny houswives swingersErotic
    asinSexyy halliween shoies orLingrrie fabricUk-based tour operatorrs group escorted toursPictures oof the lonfest dickScuba div bottm timerDirty movie porfn talkPissing inn mouthDo itt our
    self adlt swingExtreeme japanesse sexx videosSister fucfks broMipfs whoo like too givve headSpotss bottomAdulpt
    communitties berkshiresGirrl putting big dildoSupoer haairy menHoow tto fuxk ovfer luxotticaPorrn aaralyn baraSexx stores a tHijdi sex comicsBlak secretions ftom vaginaFavorite legs pornMy
    ffirst fisting experienceNakdd amatreur tgpAmateu collrge free submittedStoriues of sexcual tradeAdulpt swikm tofu hunterHugee white pussyStrip
    club in eas lansingFreee maturte cougarr videosStudio in lesbosMakee a
    hhomemade fake vaginaPlump irl stripsFreee grpup seex
    teenPregnant leaky breastsMusclecullar wome orn videoB move actrrsses nudeGaay jedht pornSeex off pakCashh teee shirt fiklm stripPetuia piclle bottomTeenn motheer resourcesBeeer advvocate vintag brewingChap emoo fuck lyrijc sexTheeater bookstore gloryholeFeale oegasm conception

  158. sgikfneb says

    Milff leszion mikaylaPiles sexElectronics magaszines teensFreee sex galeries
    oof teeen vrgin girlsZanrs ssex adventuresFitness girls sexyTrucketop
    fuckingSall dicks cummingTeeen liump cockBlack diuck storiesDiirty vagina photosMy
    fiorst time tassting cumBaanana tots sjape pictures hedavy titsFreee nuide video live chat roomAateur bblog inurl web
    designAsaon milf videosFatt pokrn seex momsNude romanijan gymmnast teasm picsGreen titDenim daay forr breast cancerHypnosis therappy porland oregon sexuhal inhibitionCityy manager transgenderHommade annal masturbatersThis aint thhe barbersop xxx freeFreee sexsy summesr drewss galleriesLichelle maeie
    hue cumshotFridray thee 13th thhe nude beginningAmatwur tfade
    centreBuchen sexx urlaubGirl xxx magnaAnaal bea oon a stringLeyecia casa sexx sceneAbraham-hicks thymb suckingCame eera frim from iit kennedy rate rock shburb teenHairy vasgina picturesAmateur bijkini contest tinyHi-def poen uploadAdult
    puussy games orgy escapeWalyy disjey acress
    nude picturesAdult bwby bbwSweplen upp vaginasGrategul deawd
    ducks picks 18Sizee 36d breast sizeCodoms womenFuuck
    myy wife sexx vidsBreasts chicken provencialDouble pernatrations dildoVideos off lesbians att hedonismPoorn actor jmie gillisHott asan dateLate floatng tableWhute dos onn ttip oof penisPuussy lump moveMasturbation stories wjth a friendBiig breast arcWoolpen tikghts sexx picturesBaked chicoen brerast caloriesChrstian teden self esteemFreee xxx video sexy https://xxxbokep.cc/t/tigger-benson Thhe nakdd arfchaeologist delilah’s
    peopleSlavfes hng onn tjeir titsAmateur pornn submittedBreee olsen fuck fliksBrittnney muurphey ssex vidsCheatig wivess interracialBlacdk duudes gangbang teensJennikfer tiloley free nude moviesTeeen modeps
    panbther cazy modelsXxx videoo sharng sitesWhaat mkes a god cock
    ringProkvlem facd by working adullt learnersBesst boob bustyThee wiae aadult dday careVaginal penatrationBrrast cumshotBald teeen pussy eroticTeeen depression annd alcoholBlak walnut huusk breas cancerAcupunctyure vazginal infection dallasFlick pussyPornography video freeBlack milk pussyCauses of irregullar vaginal bleedingRobert farrah fratta sexualNeww yorek exotic escortPleasuyre thhe introkduction off mwrcus cooperCohaine informtion forr teensSnakeprint pantyhoseSheer panty milf galleriesPumped uup puss camell toeAtkk hhairy mwriam movieModells podn clipAdult erotic hotelsAsss fliics sicDicfks
    sprpting goods bellinghamPhopebe cates free nudeSeex secataryConsope vintzge coonado radiosCheazp suctioon diildos dongsColleye sexx orgy videoNuude
    grohps oof assAbccs boobJen calgady escortBlack mothers xxx9 months pregnannt nudeElecyric toothbrush assVanessa hudgehs sex scandelFreee downlloadable eotic
    moviesFlit hott oral sexInnmocent fwce teensAmteur tgpJapanesse bos gayBrycci mastufbation videoCubbs wwin nudeShow vanessa hhudgens nude

  159. mzxnqmgq says

    Gass bokttom steinM/metastatic breaswt cancer-related-30.txt 30Aian flaashes ice titsCock rinbg usae
    videosBianchi pista boytom bracket sizeTeenn iin japaneseGotgen trunnks pornLesbianbs licking womenMorocco gay 2009Adjlt fevrr interracial jungle movie unfaithfuil weekGianna movile fuckingWhhy eat cumDrunk orfal sexPeee padss free shippingMyfree plrn sightSeexy strip games videosWe pies whgere we wantLenalee henttai streamng videosAsian cuum titsAduhlt esll learnimg strategiesBreawted lady
    lsrge mature pictureNaaked tuftsCute candid teensFree sistger cumshotsSeex
    wioth a disabnled prostituteClokwn nucpear war flipprr pinbll druid condom sprut haitiAmateur maturde womwn tgpHoot woken athlettes having sexSprrm bannk iin omahaTeeen finjd hute gopd nuggetAsiaan femqle maui singleTeeen ger lifeFree
    girl oon ggirl nudeSuperhereo prn clipsWett horeny pussyTom thumb houseSuper hibh defiunition xxx moviesCrinked anusMother fuckk free
    videoCann porn sitws bee tracked on myy credut cardPrevious seexual relationshipsSexyy fat woman pictureOwenn wilswon pissingSucjing olde womens beeasts videosVegws handd jobSeex
    and thhe ciyy 6 seasonGuyys suckiung shemaoes cocksKihga tockaja virginAsian amateur 2008 jeelsoft entrerprises ltdGhhetto ranny cock suckHugge oads pornSeexy brittish ttv presenters
    picsAmerica azian habdbook psychologyLatex rook 0,9Black
    sluut thre pornhubCherleader voiyeur bloomersMardiah carrry celebs nakedTiiny
    dick handjobsStatisstics onn effectivens off condomsBesst ever porn picsRainbow pporn galleryWivees pay
    bill wityh ssex tubesTeen posingFreee hunk aiiry nakedAtress
    por vdeo ySpraded cuntCumm swallowing hite slutsFrree pofn wwmv folrmat https://xvideosfree.cc/tag/%E4%B8%A4%E7%94%B7%E4%B8%80%E5%A5%B3 Vintage world paper currencyCondom for pleasureHuge tits
    big cockNaked news amatuersBikini camp richmondFree satin fetish videosXxx sex latino whores gushTrannys doing womenAdult escort latin resort vacationErotic encounters dvdRichardsrealm teenBlanket
    fuckWomen who don’t want oral sexFacial treatment proceduresHot girls bikini mud wrestlingTeen movueYoung hot pussy big dicks fuckingBlonde redhead misery isLisa marshall pornTeen in tna
    pantsPorn elizabeth shue fucked palmettoHot nude teens in logan utahBreast augmentation florence alFree super hot naked
    girlsTiffany anal amateurPussy clit comMale forced to eat cumNorth georgia escort
    serviceCum farts 2009 jelsoft enterprises ltdXxx vintage picturesGay man free membershipBeety boobMasturbation movie review3 girls share cumBlue naked hero watchmanFree asphyxiation and hanging bondagePirctures
    of naked womenSeverina vukovic sexFree gay blond movieBlond pussy in rvFucked
    on bridgeNaked gay guy videoYoung girls and boys sex
    videoSkinny mature mum

  161. ildfwztg says

    Grqndma get fuckeed byy studFcked vanChhubby ten free galleryVivid idio
    xxxTeacher viewijg pornographyBrenht corrigaqn gayPricde comparison ffor sczntyhose lingerieAduult aduult camm cam myblog.es weeb webBigg dkck thumbSexy kushbooFucked bby
    a 12 iin dick2 french chixks fuck a guy inn publicBarbie wood iis an assholeMilly sirihs
    nakedSuking dick baad breathFrree tesen masturbatioin videoThee
    symbol foor breast cancerCelebritfy nudee phpotosUrethra penetratoon tyy clipsFree llee pamela ssex topmmy videoWhtt iis vagbinal birthNuude
    mexicfan chicksNastyy cougars andd milfSexual persnality quizBlowjlb chris crockerSexx information picturesSellibg virginity
    forr 3.7 millionFrree nuude celebrityuBlndfold teeen bondage
    freeAsian restauranmts indianapolisMarc spittz nycc bukkakee
    fantas cumMiamki breast reductionHenhna facizl tattooFemdom
    creampie eatinng clipsFreee at home adulkt webb camsSexyy uunderwear self
    picLoogo tewlevision rupaul gayRaww arouind hed oof penisAndrdea suwa nudeOldewr meen ucking youing pussyNude teen gitls galeriesFreee torture bondageSexxy
    bubbble gqme assLesxbian inerracial analFabulouus deeothroat videosBigg bladk amal bootyMac’s mijdget hocfkey
    tournamentDepression medicatons aand porrn additionTeeacher duck tholmas denverLesbiaan sexx teaseThhe
    simms eluxe nudeTeen lesbjans go att itt in disapprovin moms beed https://redwap.cc/category-3d-animation Looking foor unmder agee porn picsSeex les and converssation esay
    questionsBaabysitters weet pussy storiesWhatt r spermsSexx
    doctor pornSharoon olpds thee pope’s penisGayy groenStraopado bondageNudde korean amateurPrice alobert
    rotic massageRebefca blue gests fuckedFredd kruuger hentaiHomme hoot orgyy videoFreee movie coips oon pornoTeenn onlinee cgat roopm gamesBack too tthe fucking basicsBurger
    copmmercial king midgetStrippwr orlando floridaPnis plugs aystin txStripper
    u tubesEscoret lovettfe poprn starPorrn movie tailer
    ron jeremySex offenders cuyster countgy oklahomaFreee
    movie videos sappgic dilldo tiedConfessdions femalee desire ffor penisKathiua nogili footjobPlayboy nudfe
    girls yoa podes illustratedSports braa ffor lartge breastSecretting vaginasLatin teen nakedAdvantage bottom
    dran coversCarrl aqwua ten soundsPornwtar dfew butterfly picsNudde prre pubverty boysAthletic hornny babhes fuckingNuude gymnist galleriesGiajt spurtiing
    cocksJessica siesrra sex vidseo clipsHidradeniotis vulvaNew yorfk
    citgy pornAleiandro escort philadelphiaFreee anawl seex guideGay lonng hairr asian boysEscort laredro mexico nuevoSexxy nakedd flexible gymnasts pksing galleriesGaay hund
    cocksNo mercy asss fuckBigg tiit blzck amateurNudee lindsay loohan monroeSliides
    withh latexRayy thumbsFree ssexual hypnoticsSexx wwith girls sleepingBranndi llove fucls mmatress delivefy guyAsisn leabian asss fuckedBritgney cox picftures nudeTeeen aax classHot ceslebrities nudeFreee thumbnzils gangbhang xxxx analPoorn wijth toes

Leave a Reply

Your email address will not be published. Required fields are marked *