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student loan

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denise bryson

I am currently in a chapter 13 and I live in louisiana, recently i was contacted by lofsa(louisiana office financial student aid) saying that my student loan was in default and that they wanted to start collection on it , the only problem is that they had our previous bankruptcy case #, and did not realize that we had refiled again in 98' due to a job loss in the first case. how can they legally go for this when they filed a claim in the first one and not in the second case, seems kind of fishy, like they want to get the principle and the interest and bypass the bankruptcy all together now.by the way the student loan was from 92' and they said it went into default in 94' and they are just now going for it. this is very stressful to say the least. I thought that everything was being taken care of.



I know someone that works at a collection agency and collect on students loans. I have always heard you can not file bankruptcy on student loans. However, you can refinance your loan with like SallieMae or another agency. I would look an attorney up in the yellow pages to verify your legal rights on filing bankruptcy on student loans.


Junior Member
I filed a ch. 13 with my student loans, they are not dischargeable but they were not allowed to contact me until the end of the bankruptcy. But keep in mind that they can charge you interest and you still have to pay them. This was in Colorado.

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