Student loan debt is extremly hard to discharge in BK.

Just stop paying it. 2 guys in my crashpad quit paying thier loans back for almost a year and key bank settled with both of them. One settled 90k of debt for a 1 time payment of 40k. The other was given interest free payments until the loan is paid off.

Myself on the other hand tried to get interest only payments or a reduced payment for 1 year because I was back on first year pay. Thier answer was nope sorry, because I have been making my payments on time for 4 years!