One of the debts that is not dischargeable in bankruptcy is a student loan. The only way a person can file for bankruptcy and include their student loans is they have to show their inability to ever be able to repay them due to physical condition, like a disability. A person would have to have a bankruptcy attorney represent them and file a motion with the court to show cause of why they cannot work. Those with families to support might find the task difficult, or in some cases impossible and the family might suffer as a result, by way of the lack of sufficient funds with which to buy food and pay the necessary bills and in this case the judge would allow filing personal bankruptcy. Also, if someone has dependents, which means people who rely on them for a living, does not have to be family members, and the task of securing steady funds is proves impossible, then they qualify as bankrupt and can file accordingly.
If the court does not accept the motion to discharge the student loans in the bankruptcy filing an individual might look into finding a way to consolidate their student loans to lower their payment. Same is for people who do have a chance for future employment which could bring along a steady income, at which time the debtor would be allotted three to five years to pay the debt off. Certain rules apply to those might be able to secure an income in the future, and different laws occur with applicable codes. There are ways of determining if bankruptcy is applicable to certain cases. People, who are unsure as to the best course of action, should either talk to a bankruptcy attorney about the predicament or in the very least look into possible alternatives. The Internet can be a good utility to find tips and advice on all that goes into filing for bankruptcy, and possible alternatives and even tips concerning ways in which to stay out debt and in good financial standing.