I see... well, coming out of college, every graduate with student loans (virtually all unless mommy and daddy are rich) is required to do an exit counseling session with the school's financial aid office. Being unable to delcare bankruptcy on a student loan is one of the biggest points they make. The only way you can declare bankruptcy on a student loan is by death or disability. I suppose that doesn't prevent him from filing for bankruptcy on his other financial obligations, though. Even with that, his chances would be pretty slim I would assume.