In Chapter 13, student loans are generally treated the same as other unsecured debts. This means that they are often given a lower priority and may not be repaid in full. However, there are some important exceptions to this rule.

If you have private student loans, you may be able to repay them in full through your Chapter 13 plan if you can demonstrate that repaying the loans is necessary for your financial survival. This is known as a hardship discharge.

If you have federal student loans, you may be able to forestall repayment of those loans while you are in your Chapter 13 plan and resume repayment after you finish the plan based on terms that are more favorable to you than if you had never

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