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Prior to 1998, student loans could be discharged if the first payment was due more than 7 years before the bankruptcy was filed.

in 1998 Congress changed the law so that government backed student loan could not be discharged at all and in 2005 this was extended to private student loans.

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Wasn’t there some level of government paying off those loans? That would be 11 years minimum between the first loan and bankruptcy, so it’s a pretty good bet they ain’t paying ever. That could be reasonable, but of course then you have the government paying off the guarantee of the biggest deadbeats.