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Oregon Student Debt™

Oregon Student Debt™

A pro bono project to help wipe out student loans in bankruptcy

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Do I qualify to wipe out my student loans in bankruptcy?

Michael Fuller May 1, 2017May 3, 2017 Undue Hardship
undue hardship

ANSWER: The good news is that all student loans can be forgiven, whether federal or private. If you haven’t already, take our 60-second undue hardship quiz. The more boxes you can honestly check, the more likely your bankruptcy judge is to forgive

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How do I wipe out my student loans in bankruptcy?

Michael Fuller April 29, 2017May 3, 2017 Bankruptcy
Bankruptcy

ANSWER: Call the bankruptcy clinic at Oregon legal aid at 503-224-4086. You may qualify for a pro bono attorney to help wipe out your student loans in bankruptcy. If not, you will need to file bankruptcy without an attorney “pro se”.

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Undue Hardship Exception

Michael Fuller April 1, 2017May 3, 2017 Undue Hardship No Comments
Undue Hardship Student Loans Forgiveness Oregon Bankruptcy Court

QUESTION: What is the undue hardship exception? ANSWER: Undue hardship is what you must prove in order to forgive your student loans. Undue hardship involves three things. First, you must have no money left over each month to repay your student loans. Second,

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Income Based Repayment Plans

Michael Fuller December 22, 2016May 3, 2017 Undue Hardship
Income Based Repayment Plans Student Loan Forgiveness Oregon Bankruptcy Court

QUESTION: Should I apply for income based repayment plans? ANSWER: Yes, always apply every year for each loan you have. Income based repayment plans allow you to pay what you can afford on your student loans. To greatly improve your

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Unpaid tuition was actually a student loan, university argues in court

Michael Fuller June 14, 2016June 14, 2016 Student Loans
unpaid tuition

Last April, an Oregon judge ordered Portland State University to show cause why it shouldn’t be held in contempt for harassing a former student after bankruptcy. Court records show the former student owed PSU unpaid tuition for classes in fall

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How do I find my student loans?

Michael Fuller May 30, 2016December 10, 2022 Student Loans
Student Loans

ANSWER: Check the federal student loan data system and get your free credit reports. Find Your Student Loans Your federal loans are listed in the National Student Loan Data System. You will need a PIN to check the federal system. Your private loans are

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Oregon Bankruptcy Court

Michael Fuller May 27, 2016February 13, 2017 Bankruptcy
Oregon Bankruptcy Court Represent Yourself

QUESTION: Can Oregon bankruptcy court really wipe out my student loans? ANSWER: Yes, if you qualify for the undue hardship exception. Our mission is to help you fight back. We realize people who can’t afford student loans can’t afford attorneys. We’re

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Brunner Test

Michael Fuller May 10, 2016June 6, 2016 Bankruptcy
Brunner undue hardship test Oregon bankruptcy court

QUESTION: What is the Brunner test? ANSWER: The Brunner undue hardship test is the exclusive method used in Oregon to qualify for the undue hardship exception. Marie Brunner filed bankruptcy in 1983. She asked the court to wipe out her student loans.

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Buying a New Car

Michael Fuller November 22, 2015June 6, 2016 Student Loans
New Car Student Loans Discharge Bankruptcy Oregon

QUESTION: Can I own or lease a new car and still meet the first Brunner prong? ANSWER: You can buy a new car and still wipe out your student loans. However, your car must be economical. Avoid driving luxury cars or

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Retirement Savings

Michael Fuller November 21, 2015June 6, 2016 Student Loans
Retirement savings forgive student loans Oregon bankruptcy court

QUESTION: Can I have retirement savings and still meet the first Brunner prong? ANSWER: Retirement savings may not be possible if you are having trouble paying your student loans. The court is more likely to forgive your student loans if you are not putting

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