<prompt> Human: So theyre next to impossible to discharge in bankruptcy, so how rare is it for them to be discharged? Like, got stats numbers?And what is it like to bankrupt student loans once those hurdles are out of the way?How many bankruptcies happen every year in America? Out of them all, how many are student loan bankruptcies?  <response>: I dont have stats, but they are rare enough that when it does happen it tends to be newsworthy. You have to show that you cannot maintain a minimal standard of living due to the loan repayments. Then you have to show that you will suffer such difficulties for most of the life of the loan. Finally, you have to show that you have been diligent in attempting to pay the loan. Where someone suffers some catastrophic injury or disability that will affect their earning potential for much of their life, it might be justified if the other tests are met. It has been met also when someone is at their prime earning potential i.e., in their 50s and their profession still pays abut minimum wage. That said, if all you have are government loans, income based repayment might mean you have no payment, so it would be hard to discharge the loan in that case. There have been some courts who permitted discharge where a college was fraudulent. At any rate, they are rare in part because they require an adversarial proceeding, and the lender is going to oppose the discharge and the law is stacked against discharge. 