3.6 million borrowers defaulted as SAVE collapsed. 51% of SAVE exits face a $500+/month payment jump. Southern states hardest hit. Read the analysis →
SAVE Ended. See If Your Loans
May Be Dischargeable.
If the end of SAVE left your payment out of reach, see whether a student loan bankruptcy discharge based on §523 undue hardship may be an option. The eligibility screener and AI Brunner analysis are free; if you proceed, the case preparation services fee is $249—compared with $1,500–$5,000+ for an attorney to handle comparable preparation work.
“I borrowed $40,000. I’ve repaid $40,000. I still owe $162,000.”
Shared on r/StudentLoans
Interest outruns payments, so the balance never shrinks. A §523 discharge ends it instead of renegotiating it: the court wipes the balance to zero.
Myths vs court records
Three myths that keep people stuck.
The system in 2026
1 in 5 federal borrowers is now in default.
Roughly 43 million Americans hold federal student loans. Tap a status to see where you stand.
271+ days behind. Wage garnishment, seized tax refunds, and offset Social Security checks can follow. A §523 discharge is one of the few exits that ends the debt itself.
Each dot is roughly 430,000 borrowers.
Source: Federal Student Aid portfolio data, March 31, 2026. If delinquent borrowers do not catch up, defaults could pass 12.5 million by the end of the year.
3.6 million new defaults since SAVE collapsed — 51% of exits face $500+/month payment jump
9 million Americans qualify to discharge student loans in bankruptcy. Only 1,693 filed last year.
$0.
Real result: discharged
$0.
Total case cost
How it works
Enter 3 numbers
Income, expenses, loan balance
See your score
Instant eligibility result
Get matched
Connect with a discharge attorney
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Common questions
What borrowers actually ask.
Pricing
$249 flat fee
Student-loan bankruptcy case prep
No hidden costs. The eligibility check is always free. You only pay the one-time $249 case-prep fee if you choose to proceed after qualifying.
Every plan is refunded in full automatically if no attorney accepts your case by the match deadline.