Student Loan Hardship Discharge Bankruptcy Resources • Video

Student Loan Hardship Discharge Bankruptcy Resources

Are you looking for information about your student loan hardship discharge bankruptcy? Below you will find important resources to assist you with better managing or discharging your student loan.

First, you must understand that student load discharges are not impossible. So, don’t assume you can’t discharge your student loan. In fact, there might be an undue hardship discharge available to you.

To receive an undue hardship discharge, you must prove that you can’t afford health care, essential food, shelter, and clothing in addition to paying student loans. Incredibly, every year about 500 people nationwide get this discharge.

Student Loan Hardship Discharge Bankruptcy Resources

Avoid Student Loan Lenders and Servicing Companies

Similar to the IRS, student loan lenders and servicing companies will not tell you how to bankrupt your student loan. Instead, they avoid telling you what you need to know simply because it isn’t in their best interests financially. Of course, they want to make money from you. So, instead of helping you with the right information, they claim that it isn’t possible. Then, they give out inaccurate information—sometimes intentionally lying. They also don’t tell you the correct information that might help you because they want to ensure that you fail.

So, I think you can easily understand that these people do not have your best interests in mind. Instead, you need to look for a good attorney that will answer your questions about how to discharge or manage your student loans. Only by working with a good attorney will you find ways to manage your student loan. Moreover, it might even be partially or 100% dischargeable.

I only comment on Kentucky and Indiana cases. However, if you are in my area, I strongly recommend that you call me today. After all, you don’t know unless you call if you have the requirements to discharge your student loan. Moreover, putting it off only makes things worse, so call me as soon as possible at 502-625-0905. Then, together we will look at your student loan hardship discharge bankruptcy possibilities.

Student Loan Hardship Discharge Bankruptcy Resources

If you don’t find the resources that you need here, continue to search this website to find your answers. You see, I’ve designed this website, Louisville Bankruptcy Attorney, to be a resource for people just like you. Similarly, I also work with other categories of bankruptcy for which you will also find excellent resources on this website. If you have information that you believe is a good addition to this list, please contact us!

⎆ Organizations

⎆ Debt Collectors

  • Educational Credit Management Corporation:
  • Be aware that this is one of the most difficult servicing companies that profit by billing the government for its collection efforts.

⎆ Legal Resources

⎆ Publications

National Consumer Law Center, Student Loan Law: Collections, Intercepts, Deferments, Discharges, Repayment Plans, and Trade School Abuses (2d ed. 2002)

David J. Light, Esq., Discharging Student Loans in Bankruptcy (2d ed. 1999)

Department of Education ombudsman’s web site is a part of the website. Borrowers can submit problems online.
Toll-Free Phone: 877-557-2575
Fax: 202-275-0549
Mail: U.S. Department of Education, FSA Ombudsman, 830 First Street, N.E., Washington, D.C. 20202-5144.

Department of Education Publications “Your Federal Student Loans: Learn the Basics and Manage Your Debt ” and “Funding Education Beyond High School.” guides are updated each year and are available in English and Spanish online or by calling the Federal Student Aid Information Center at 1-800-4-FED-AID.

Student Loan Lenders

A partial list of customer service offices for student loan lenders is below. If you don’t know which agency is holding your loan, check with the Department of Education Ombudsman or the National Student Loan Data System.

⎆ American Student Assistance

Grace Bartini, Ombudsman
Phone: 1-800-999-9080 ext. 4512

• College Assist/Nelnet Guarantor Solutions

Germaine Terry, Ombudsman
Mail: 3015 South Parker Road, Suite 400, Aurora, CO 80014
Phone: (303) 696-3598 (Direct line to ombudsman)


The California Student Aid Commission (CSAC), formerly serviced by EdFund, has now transferred its student loan portfolio to ECMC. (see ECMC information below).

⎆ Educational Credit Management Corporation (ECMC)

Diane Zitur, ECMC Ombudsman
ECMC, Attn: Diane Zitur, PO Box 75906, St. Paul, MN 55175
Phone: 651-325-3015

⎆ Great Lakes Higher Education Guaranty Corporation

Mail: PO Box 7859, Madison, WI 53707-7859
Toll-Free Phone: 866-486-7140
Phone: 608-246-1485
Toll-Free Fax: (800) 749-8537

⎆ Higher Education Student Assistance Authority (HESAA)

E. H. Stewart, Jr., Compliance Officer/Ombudsman
Mail: 4 Quakerbridge Plaza, PO Box 549, Trenton, NJ 08625-0549
Phone: 609-588-3351
Fax: 609-588-2427

⎆ Illinois Student Assistance Commission

Mail: 1755 Lake Cook Road, Deerfield, IL 60015
Phone: 800-899-4722
Fax: 847-831-8549

⎆ Kentucky Higher Education Assistance Authority

Elaine Brumback, Ombudsman
Mail: KHEAA Ombudsman, PO Box 798, Frankfort, KY 40602
Phone: 800-928-8926, Ext: 67278

⎆ Michigan Guaranty Agency

Pat Fromm, Ombudsman
Mail: Michigan Guaranty Agency, Attn: Pat Fromm, Ombudsman, PO Box 30047, Lansing, MI 48909
Phone: 800-MGA-LOAN (642-5626) Ext: 36076

⎆ Missouri Department of Higher Education

Marla Robinson, Ombudsman
Mail: PO Box 1469, Jefferson City, MO 65102-1469
Phone: 800-473-6757

⎆ National Education Servicing

Tracy Kaufmann, Ombudsman Contact
Mail: 200 W. Monroe, Suite 700, Chicago, IL 60606
Phone: 800-345-4325, Ext: 5189

⎆ National Student Loan Program

Oscar Huapaya, Associate Ombudsman
Mail: NSLP Ombudsman Office, 1300 O Street, Lincoln, NE 68508
Phone: 800-735-8778, ext. 6814

⎆ NY State Higher Education Services Corporation

Kristine Zaccardo, Agency Ombudsman
Phone: 518-408-0004
Fax: 518-474-2839

⎆ Oklahoma College Assistance Program (OCAP)

Kim Hetzler, Ombudsman Contact
PO Box 3000, Oklahoma City, OK 73101-3000
Toll-Free Phone: 800-247-0420
Program: Sallie Mae

⎆ Customer Advocate Unit – Student Loans of North Dakota

Student Loans of North Dakota
Char Feist, Compliance Officer
Toll-Free Phone: 800-472-2166, Ext: 5753
Phone: 701-328-5753

⎆ Texas Guaranteed Student Loan Corporation

Luanne Dodge, Ombudsman
P.O. Box 83100, Round Rock, TX 78683-3100
Toll-Free Phone: 800-252-9743 Ext. 4502

More information about TGSLC ombudsman.

⎆ Utah Higher Education Assistance Authority

Michelle Hansen, Ombudsman
Utah Higher Education Assistance Authority
Mail: The Board of Regents Bldg., The Gateway, 60 S. 400 West, Salt Lake City, UT 84101
Phone: 801-321-7225

Legislator Contacts

You might also try contacting your congressional representative or senator’s office for assistance. You can find their names and contact information on-line:

Comparing Student Loan Products

Helpful Information & Media Resources

Other Student Loan Resources

Do you need help figuring out your student loan hardship discharge bankruptcy possibilities? Contact my office right away to start the conversation. Nick C. Thompson, Attorney: 502-625-0905

Other Bankruptcy Related Forms Resources

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How to File Bankruptcy Without Losing Your Home

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Income Tax Bankruptcy Forms

Kentucky Legal Forms

Louisville Kentucky Bankruptcy Forms

Student Loan Hardship Discharge Bankruptcy Resources

Student Loan Bankruptcy Forms

Kentucky Student Loan Attorney

Discharge Private Student Loans in Bankruptcy

If you need help with your bankruptcy, you are in the right place, Contact my office right away to start the conversation. Nick C. Thompson, Attorney: 502-625-0905

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