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All I know is that if IDR is killed off, I’ll have to go into bankruptcy as i don't have enough for groceries for my family as is. I know the likelihood of getting the stident debt is next to impossible, but i might be able to afford that payment if my cc debt is killed off ($40k) but would still have mortgage, car payment, roof loan payment, and my private student loans as well. I’m just pretty much tapped out. Probably worth more dead than alive, though I’m the bread winner.
Private student loans can be discharged.
There will be a lot of bankruptcies and I can't see how that benefits the corporations that are expecting loan repayments. It seems like they lose either way, so maybe we should have let them lose without fucking over so many other people.
Quote from a certain U.S. politician on real estate crashes...
You shouldn't assume you know things you've not done before. Student loan relief through bankruptcy is not 'next to impossible'. Since the new guidelines were drafted for judges about 98% of student debt holders seeking bankruptcy had some or all of their loans discharged.
You should also be aware that not all studen loan debt is equal. The higher requirements for discharge only apply to loans for tuiton specifically. If you got extra in your loans for computers, car, room, board, etc, then those amounts are treated like any other unsecured debt during bankruptcy.
There are articles/guidelines/worksheets that you can find on the Dept of Education and the Consumer Financial Protection Bureau websites to help you get a good idea of how your specific situation is likely to turn out.