Can you discharge your student loans through bankruptcy

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I always assumed that you could not discharge student loans through bankruptcy, but apparantly you can . . . under certain circumstances.

This article from the New York Times outlines how this is possible, and how more former students are starting to have success in wiping out their student debt.

The article highlights a significant shift in the landscape of student loan debt relief through bankruptcy. Historically, student loans have been notoriously difficult to discharge in bankruptcy, often requiring borrowers to prove “undue hardship” via a separate, costly adversary proceeding. This led to a widespread perception that discharge was nearly impossible, deterring most borrowers from even attempting it.

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Stretching Your Dollar: A Guide to Smart Secondhand Shopping

rack of clothes on hangers for sale

In an era of rising living costs and economic uncertainty, buying secondhand has emerged as a savvy strategy for managing personal finances. From clothing to furniture to electronics, purchasing pre-owned goods offers substantial savings, reduces waste, and aligns with the growing emphasis on frugality among financially conscious consumers. As inflation pressures budgets in 2025, secondhand shopping is not just a trend but a practical approach to stretching dollars while maintaining quality of life. Here’s why embracing the secondhand market can bolster your financial health and how to make it work for you.

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Smart Borrowing: How to Choose the Right Personal Loan for Your Finance

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In today’s complex financial landscape, personal loans can be a powerful tool for achieving goals, from consolidating high-interest debt to funding major life events. Yet, with interest rates fluctuating and terms varying widely, securing the right personal loan requires careful planning and personalized advice. For those focused on optimizing their personal finances, understanding how to evaluate lenders, compare terms, and align borrowing with long-term goals is essential. Here’s a roadmap to obtaining customized personal loan guidance that strengthens your financial position.

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Navigating Roof Repair and Replacement Quotes

house

For homeowners, a roof repair or replacement represents one of the most significant investments in maintaining property value and structural integrity. With costs ranging from a few thousand dollars for minor repairs to tens of thousands for a full replacement, understanding the components of a roofing quotation is critical to making informed financial decisions. Missteps can erode your savings or lead to unexpected expenses, while a well-evaluated quote ensures your home remains a sound asset. Here’s a clear breakdown of how to interpret roofing estimates and protect your personal finances.

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