The kind of student loan debt you have typically does not matter when it comes to bankruptcy. Whether you have student loans taken from the government or private loans taken from banks they are governed by the same rules. That means you generally can not use bankruptcy to erase student loan debt no matter who you borrowed from. As more law makers speak out to changing the current laws and the outcomes of recent court cases could mean the law could change to make it easier use bankruptcy to erase student loan debt. In the meantime, dealing with student loan debt via bankruptcy can be challenging. In order to qualify you will likely need to go to court and argue that you qualify for an exception to the standard rule preventing people from using bankruptcy from erasing their student loan debt. If you think this option is right for you, you might want to get an attorney to help guide you through the process. This article can provide more information.