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Student Loans and Surmountable Access-to-Justice Barriers

16 Pages Posted: 4 Jul 2016  

Jason Iuliano

Yale University - Law School

Date Written: June 30, 2016


Student loan debt is considered nearly impossible to discharge via bankruptcy. In this response, I defend my earlier findings that this dire view does not track the empirical reality. Many debtors are successful, and many others would likely be successful if they attempted to discharge their student loans. Although access-to-justice barriers do present significant hurdles to student loan debtors, these hurdles are not insurmountable.

Keywords: student loans, bankruptcy, undue hardship

Suggested Citation

Iuliano, Jason, Student Loans and Surmountable Access-to-Justice Barriers (June 30, 2016). Florida Law Review, Vol. 68 (2016). Available at SSRN:

Jason Iuliano (Contact Author)

Yale University - Law School ( email )

P.O. Box 208215
New Haven, CT 06520-8215
United States

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