<prompt> Human: So my father filed for Chapter 7 bankruptcy. Currently I am paying 40k at 8.5 of parent plus loans that are in his name. I know its nearly impossible to get these discharged in his bankruptcy. My question is, hypothetically, what happens if I let these loans default? Ive talked about this with my father and were not entirely sure.  <response>: Theyll continue to try to collect forever. For that amount, Id guess theyd hold back income tax disbursements until its paid off. 