Dora, I don’t personally know of any Utah based attorneys who would be able to help you out, but I would reccomend that you check out my article on finding a student loan attorney (located here: http://studentloansherpa.com/student-loan-attorneys/ )

Based upon what you have described, it could very well be worth your time to investigate bankruptcy options for student loans. Finding someone who specializes in this area and is willing to help isn’t always easy, so I’d suggest you take your time and be willing to make a number of phone calls.

I wish I had better news for you, but I do wish you the best of luck.

I tend to agree with you Adam. A temporary hardship is much harder to prove than a long term one. Things like a bad economy, a temporary illness, or the like will not get it done. I imagine proving that you will not be able to earn any significant amount of money in the next 20 years is a tough one.

To my mind the most difficult element to satisfy is demonstrating additional circumstances that will persist for a significant portion of the repayment period. As repayment periods can easily last for 20 years showing an insurmountable barrier to repayment can be quite arduous, though not impossible.

Thanks Daisy! It’s a very popular misconception, so you are definitely not alone. As for what the law says in Canada, I have no idea… but I’d be shocked if the exact same rules apply.