So, you filed your Chapter 7 prior to October 17, 2005. This information does not appear to be in your original post (if it was I apologize as I did not see it). That does change things. Prior to October 17, 2005 some student loans were dischargeable without the need for a Complaint. However some of BAPCPA went into effect in April, 2005. I am not sure if the revision to the student loan provision of 523(a)(8) was part of those changes, but I doubt it.
Prior to the implementation of BAPCPA only federal insured loans and/or loans funding by a non-profit were non-dischargeable. However, even that was up in the air as any loan that was even remotely funded by federal or non-profit dollars could have been subject to the non-dischargeability provisions of what was then 523(a)(8) which read in part: "for an educational benefit overpayment or loan made, insured or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution. . ."
Compare the old version to the new version: "for an educational benefit overpayment or loan made, insured, or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution. . . OR (the new part) any other educational loan that is a qualified education loan, as defined in section 221(d)(1) of the Internal Revenue Code. . ."
There are some additional changes relating to the poor drafting of the old version but I think you get the point.
So, if you filed before 10/17/05 (and assuming the change was not effective in 4/05 or if it was you filed before 4/05) AND your loans were not funded in whole or in part by the government or a non-profit, then YES they were discharged without the need to file a Complaint.
Des.

