This CLE program examines the renewed pressures facing student loan borrowers as collections activity resumes, and positions bankruptcy as a strategic avenue for relief. The course provides a practical framework for advising clients in default, including when and how bankruptcy can be used to halt collections and create a path toward financial recovery.

Focusing on litigation under §523(a)(8), the program breaks down the governing standards for dischargeability and the evolving interpretation of “undue hardship.” Participants will learn how to develop a compelling evidentiary record, navigate adversary proceedings, and present persuasive arguments on behalf of debtors. The course also highlights recent trends and strategic considerations for maximizing the likelihood of discharge, equipping practitioners with actionable tools to advocate effectively for clients seeking a meaningful fresh start.