Mosesi & Kalantarian, LLP

Student loans are no longer dischargeable in any chapter of bankruptcy unless you can prove that repaying the loan creates an undue hardship on you or your family.   Prior law allowed their discharge once they had been in pay status for 7 years.  The law changed in the fall of 1998.
Proving hardship usually requires showing that you can't provide a minimum standard of living for yourself and your dependents if you have to repay the loan.  Some courts will discharge part of the loan on a showing that repaying it all would be a hardship.