On Behalf of developers | November 3, 2025 | Bankruptcy,Debt Relief
Discharging student loan debt through bankruptcy in Mississippi often proves to be incredibly difficult. Student loans are rarely discharged in a standard bankruptcy case, unlike other types of debt like credit cards or medical bills. However it is possible, and with the right legal team, you can take legal action to discharge your student loan debt. It does demand a legal team with expertise and an exceptional understanding of bankruptcy law in Mississippi. Pond Law Firm has decades of experience in all forms of bankruptcy in Mississippi. We are well versed in the ins and outs of discharging student loans and while this is a challenging endeavor, we aim to help you find financial freedom in the end.
You cannot simply file for Chapter 7 or Chapter 13 bankruptcy to discharge your student loans. Instead, to even be considered for a student loan discharge, you must engage in an adversary proceeding. This is a lawsuit within your bankruptcy case where you prove to your loan servicer that you have undue hardship and cannot repay the loan as your situation stands. While claiming bankruptcy for student loans sometimes is not successful, Pond Law Firm has a few techniques that can help you achieve your financial objectives. One is to claim an undue hardship standard. In this situation, you must prove that paying your loan would cause you and your dependents an undue hardship. In order to achieve a discharge of your debts under this standard, you will need to satisfy the Brunner Test. You must prove that you cannot maintain a minimal standard of living for you and your family if you must repay your student loan. When engaging in the Brunner Test, your income, expenses, assets, and expenditures, will be scrutinized with a detailed investigation. You also must prove that paying back your loans is a hardship that is likely to continue for a significant portion of your loan’s repayment period. If you are young and healthy, this can prove difficult to secure. For younger individuals, you simply need to indicate that your loan repayment is long and arduous and will tax your income and family significantly. If you are older, have a permanent disability, or have a medical condition/diagnosis, it will be an easier process to be approved. Lastly, you must show that you have made a good faith effort to repay your student loan. You may need to prove that you have attempted to find work, increase your salary, minimize your expenses, and sought other opportunities with which to repay your student debt. Indications of these attempts can help the court believe that you have tried every other avenue to repay your student debt and will make them more amenable to your cause.
Pond Law Firm is your go-to bankruptcy expert proudly serving communities across the state of Mississippi. We have a knowledgeable, experienced, and compassionate legal team who are here to resolve your financial woes and get you on the road to the debt relief you deserve. Stay tuned, as there are also several student loan forgiveness options available, which we will soon explore.