Are Private Student Loans Difficult to Include in Bankruptcy?

Private student loan debt is very difficult to include in a Chapter 7 bankruptcy, which is a forgiveness of all unsecured debt.   To include a private student loan in a Chapter 7 one must prove to a judge that repayment of the debt would present an undue hardship on them and their dependents.   Consider the resource below for examples of undue hardships.  They are fairly extreme circumstances.  

http://www.studentloanborrowerassistance.org/bankruptcy/

As a result, debt settlement may be the best and only option for consumers in default, or about to default, on private student loans.  Debt settlement done by a qualified debt settlement attorney can result in a reduction of the principal balance owed on a private student loan.  Contact a qualified debt settlement attorney and learn more about your options to handle private student loans.