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Not everything is discharged in bankruptcy.  And there are some things you can discharge in a Chapter 13 bankruptcy that are not dischargeable in a Chapter 7 bankruptcy.

Generally, student loans of all kinds are NOT dischargeable in bankruptcy.  Whether those loans are private or federal, you cannot discharge them unless you file a separate lawsuit against the student loan companies in bankruptcy court and prove that having to pay your student loans is an undue hardship. It's extremely difficult to make win this argument under the current law, and the student loan companies will put up a massive fight, often requiring depositions etc.  As a result, the cost to fight the student loan companies is often prohibitive.  If you have federal studnet loans you should use the Income Based Repayment program to work out a payment plan you can afford.  If you have private student loans, they are bound by the 4 year statute of limitations in Pennsylvania for breach of contract (federal student loans are not).  If you don't pay for 4 years the private student loan company has to sue to and if the statute of limitations passes and they try to sue you after you can raise the statute of limiations as a defense.  However, because of this time limit, if you just ignore your private student loans and end up getting sued, once a judgment is entered against you they can garnish your bank account or sell personal property.

Back income taxes are sometimes dischargeable in bankruptcy, but it depends on how old they are, whether you filed your