text: can an overdue student loan be included in a bankruptcy discharge filing? i have been unable to repay my student loan for the past 11 years.  i am considering bankruptcy.  will this help me? student loans can't be dicharged unless payments on the loan would be a "undue hardship".  but that is a close to impossible standard.  you have to be unable to do just about anything or be just about totally disabled to meet this very difficult standard.  some courts make people pay even a portion of their social security retirement payments if they haven't paid their student loans off by then.