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 usually listed on your credit report.

You are allowed to download your credit reports one time each year for free from annualcreditreport.com.

You must list each of your student loan companies on your bankruptcy complaint. If your loans have been transferred to various servicers over the years, list each one. If your student loan company isn’t listed in your complaint, the judge can’t wipe out its debts.