Legal Question in Credit and Debt Law in California

Re: HELP - Private student loans

I would suggest that you consult with a bankruptcy attorney. Generally, you can only seek deferrment of student loans if they are federally insured or guaranteed. Check with the lender first to see if they have any partial or full deferment programs. If not, consult with a local bankruptcy attorney because, although student loans are generally non-dischargeable, there are some exceptions if they are not federally insured or guaranteed. Combined with the medical bills, you may need to get a fresh start though bankruptcy. The only other option is to get on the phone with the lender and try to work something out. Good luck.

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