student loans
if my student loans are gone to a collection agency, will they be wiped out when i go bankrupt?
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if my student loans are gone to a collection agency, will they be wiped out when i go bankrupt?

If you start the procees now you will be subject to the existing 10 year rule.
To be eligible to have these loans cleared subject the the changes in the act you will likely have to file once those changes become active law.