<prompt> Human: Could you file bankruptcy immediately after college when you have essentially nothing and then have your student loans paid off with that? Im not thinking about this, just curious  <response>: No. There is almost no way out of student debt. Its written that way on purpose, otherwise wed all declare it. Its possible but highly fucking unlikely:Current bankruptcy law EXEMPTS education loans and obligations from eligibility for discharge unless doing so would cause the consumer undue hardship. The problem is that undue hardship is not defined within bankruptcy law, leaving the bankruptcy courts to decide what this means.While all courts are different, many use whats called the Brunner test to determine if requiring a consumer to continue to be responsible for an education debt would cause him or her undue hardship. There are essentially three criteria a consumer has to meet under the Brunner test.First, continuing to pay the loan must cause the borrower to be unable to sustain a minimum standard of living. Second, the borrowers financial situation must be unlikely to change in the future. Finally, the borrower must have made a good-faith effort to pay his or her loans. So basically you have to try your bestest to pay it off, you have to prove that you are never ever ever likely to make enough to pay it off, and you have to prove that you cant remain above the poverty line while paying it off which, with income based repayment is nigh on impossible.Trust me you are not the first person to think of this solution by a long shot--- with love from someone 68,000 in debt growing 5.11 bigger every day no matter what I do 