e97276a7_ss__Cancellation_and_Discharge__Summary
[Title] Discharge in Bankruptcy (in very limited exceptions) [Summary] 
Generally, student loans are nondischargeable under the Bankruptcy Code. If you file for a Chapter 7 or 13 bankruptcy, you must bring an action known as an Adversary Proceeding in the Bankruptcy Court, and prove to the court that repaying the loan will create an undue hardship on you and your dependents. We strongly suggest you consult with your attorney on the effect of filing a bankruptcy petition on your student loan debt.
NYS Higher Education Services Corporation - Loan Forgiveness, Cancellation and Discharge
Summary