On my flowchart, one of the items I cover when I talk to clients is whether there are student loans.
Then I use the Joseph C. McDaniel Test for Student Loan Debt Discharge in Bankruptcy.
I count their arms, legs, and head.
If the number is more than two and less than nine, the student loan will probably remain.
Okay, less than eight.
But seriously, you don't want to be in such a bad way that I can scrape off your student loan, because if you are, you have more than debts to be unhappy about!
In addition, those who collect student loans have more brutal, and faster, collection abilities than tax collectors.
