Legal Question in Bankruptcy in Nevada

Chapter 13 & student loans

A Chapter 13 does not discharge a student loan unless you have applied for a hardship exception. None of you plan payments go towards reducing your student loans either, unless you are paying something to your unsecured creditors, in which case your student loan got a pro-rata part of your payment, along with any credit cards, medical bills, and such. The hardship exception is an additional lawsuit which must have been brough in your Chapter 13 and been heardy by the Judge. If you have had the money to pay into a Chapter 13, it is unlikely that you would qualify for the hardship discharge, which has been described as the "wheel chair bound, permanently disabled, never able to work again" standard.

This question should have been answered to your satisfaction before you filed you Chapter 13, and not after you made years and years of payments. That is what you paid your attorney to do. The Trustee does not represent you and has no obligation to answer your questions. The Chapter 13 Trustee is usually not an attorney, either, and it would be wrong for a non-attorney to give legal advice.