I have been in default on my TERI student loan for the past year and am considering filing bankruptcy due and was wondering if this could be included. I heard that TERI filed for chapter 11 in April 08 and as far as I know this case is still open...since they are in a BK will this help out my case and make it easier to get a discharge? Some threads have said that private student loans cannot be discharged but to me that makes no sense....this loan is nothing like a federal student loan, it has a variable interest rate, and the check was made out in my name and deposited into my own bank account unlike regular student loans which are dispersed to your school. I also was able to use the funds for living expenses which is not allowed with typical student loans in which only the cost of tuition can be taken out. It wasn't even certified by my school all I had to do was show proof of enrollment. Anyways any help would be appreciated I don't know where to turn for advice and definitely do not have the money needed to consult a lawyer.