Can you qualify for a student loan if you have filled for bankruptcy in the pass?
609980
Well even in bankruptcy you can't default out of student loans, so.... \n\nbut try this:\n\nThere are tons of scholarships that go unclaimed each year. Many $400, $500 or $1000 scholarships never even get applied for because people think it's chump change and not worth applying for. Well, get a few of those $500 scholarships and it'll really make a dent in your tuition bill.\n\nDo a search on scholarships, search your major, your ethnic heritage, your town, your parents employers, your employer, hobbies, high school, local chamber of commerce/rotary/ lion's club etc. Left-handed? There is a scholarship out there for you! Older woman returning to school? There are scholarships out there for you. Do combined searches on more than one criteria "hispanic women aviation scholarships" etc.\n\nGo to the library and ask the reference librarian for a reference book on scholarships. They usually have more than one. There are all kinds of scholarships out there, you just have to start applying yourself and make it your summer career to send out letters everyday for scholarships. Good luck!
811257
It's the way the laws were written - the assumption is that if you went to college, you should make enough money to pay those loans back.  If they allowed bankruptcy, I'm sure that 40%+ would file, since they'd have no money right out of school.
45270
Nope. The US Government is completely exempt from any bankruptcy proceedings.  You can't claim student loans on there either.
640634
Depends on the bankruptcy.  When my sister filed, her attorney left out her Sears card, only because she didn't want to have to reopen it later on.  Also, you can apply for a card after the bankruptcy is filed.  Your best option would be to wait about 1 year, then apply.  If you apply sooner, the credit card companies will deny your application.  The best cards are the prepaid ones. You put money on them & use them like a real Visa or MasterCard.  I have a pre-paid MasterCard that I keep a certain amount on for emergencies.  Yes, I get charged $1 for using it.  It's worth it in the long run.  The source below is a great pre-paid card for repairing your credit too.  You can buy the pre-paid card for $10 at Rite Aid drugstores.  Also, Ace Check cashing locations have a pre-paid Visa & Mastercard. That's the one I started out with.  I have the greendot one now & use it monthly.  At the end of one year, they'll send a report to the credit bureaus that I've been using their card & paying my bill on time.  It helps repair your bad credit.
431777
nope, but here's the fun part.  a lot of people will tell you it will erase the history from your credit file, and that's true.  however, I'm a credit analyst for a major bank, and let's say you apply for a loan with us in 10 years.  I won't see the 7 years that was erased, but I will see a very large "gap" on your credit file.  bankruptcy doesn't erase the entire credit file, it only erases what you had discharged.  let's say you turned 18 in 1990, and filed bankruptcy in 1998 and it just came off your record last year, I will wonder why you haven't had credit since 1997 and i will ask you what happened.  even if you lie about the bankruptcy, I will likely turn you down for the best rates and maybe even the loan due to not having any recent established credit.
1010443
filing pro se is actually quite straight forward.....however, since the new laws of October 2005....your current income must be below the state median .....if not, then you are ineligible for chap 7 and have to go chap 13...\n\nBefore you even file, you must complete a debt counseling class approved by the Trustee....Call your local Consumer Credit Counseling for a list of those approved to host the class.
441566
Ya, just call a credit card company. They'll give you credit as long as you're not currently in bankruptcy. You may have a high interest rate and/or a low limit, but it's credit.\n\nhttp://www.creditcards.com/
445929
Did the Earth just shake?  Something awful happened, cause we finally got a wise answer from icsowesmemoney!\n\nFact.  You owe $20,000.  \nFact.  You make $800/month\nFact.  If you were somehow able to find $200 in that tight budget, and factoring in interest payments, it's going to take over 10 years to pay this debt!\n\nThe other responders completely ignore your comments on the difficulty in finding a better paying job.  Some day, they will lose their jobs or get laid off, and will discover this fact for themselves.\n\nYou are a prime candidate for filing chapter 7.  You will not meet the "means test" because you don't make enough money to be forced into a Chapter 13 "wage earners" plan.  With no home or car, you have nothing.  \n\nCheck with the local bankruptcy attorneys, and you may even find a program for low income people and get a very low legal cost.\n\nGood luck.  You are in very good company.  Many thousands of other people filed for bankruptcy last year for this very reason.
210587
You can go back to school, but you will not be able to borrow any Federal Student Aid until you resolve your default.  A loan default will show up on your FAFSA and preclude you from obtaining both grant aid and self-help aid (loans, work-study)... Your Financial Aid Administrator may deny you insitutional scholarship as well.  Even if you don't go back to school, you should still resolve your default -- if only for the sake of your credit report and its effect on your ability to obtain a car loan, home loan, credit card, etc.  \n\nIf you do obtain a job while you are in default, the Department of Education has the right to garnish your wages, using them to pay off the defaulted loan.  It *does* happen.\n\nOnce you are out of default (which usually means making a certain number of on-time payments), you will again be eligible for Federal Aid and you will be much better off. \n\nIf you choose not to resolve your default: there are private loan companies will still give you a loan. You can do simple internet searches for education loans, but to make sure that the company you choose is legitimate, check with your college Financial Aid administrator. If you *must* go this route, it is in your best interest to pay attention to interest rates and repayment terms (remember: your loan default affects your credit which in turn affects the rate that you receive on your private loan).
112550
There are many loan companies that have the idea that since you just came out of bankruptcy you are a safe bet because you have no debt and can not file bandruptcy again for a long time.  Call around your area, or there is a good chance the furniture company has several lenders willing to help.  Ask them.  Good Luck.
231718
In the UK yes you can go bankrupt but you will not be able to get a bank loan, mortage or any form of loans for up to 5 years!!! My advice is stick it out! I have a £12,000/$24000 student loan!
619596
First of all, what kind of Bankruptcy? If it's a Chapter 7, yes you can get a loan for a house. Contact me and I can help you!
1049546
Student loans cannot be discharged at all under any bankruptcy. Credit card debt can be discharged if you qualify for chapter 7, but the big change is that most people will not qualify for chapter 7, but instead must file chapter 13 bankruptcy, which creates a 3-5 year payment plan in which all disposable income is used to pay off the debt. After the plan is fulfilled, the remaining debt is discharged.
952131
Put in your request with the bankruptcy court, but you'll be faaaarrrrr down the list of creditors that get paid.  \n\nThanks for the change in bankruptcy laws Congress :(\n\nI'm afraid in all likelihood he's SOL.
181914
Ask your bankruptcy lawyer, they will know.  It won't hurt to try.
711165
I doubt that the bankruptcy trustee would excuse you from attending the Meeting of Creditors that is required under the Bankruptcy Code.  Besides, what is the urgency to file bankruptcy while you are still incarcerate?  You can file after you get out.
3856
good luck getting a loan if you've already filed bankruptcy.  a lot of companies won't loan to anyone who's already filed bankruptcy.