This makes no sense. Sorry.
Student loans are not discharged by bankruptcy, and unless the loans are private, they are not sold to other lenders. Typically, loans return to the Loan Service Center of the Department of Education, and are administrated by the Department of Treasury.
I am trying to figure this out myself as I have recently filed bankruptcy and both my husband and I are students. There is a portion of the bankruptcy code that makes it illegal for government agencies to refuse student loans to those who have filed bankruptcy. So, as far as getting Title IV funding, such as government backed loans, you should still be able to get them. Title IV loans are not granted based on credit worthiness and therefore should be given to those who have filed banlruptcy, as long as there are no other eligibility issues, such as a student loan in default, drug conviction, etc. If you want to get a loan from a private lender, then they are under NO obligation to give you a student loan if you have filed bankruptcy or have other credit problems. For example, the Plus! loans that are available to parents are based on creditworthiness, so a bankruptcy would affect your ability to get this type of loan. As far as my student loan after bankruptcy, I did have to fill out additional paperwork and am still awating the results. I will post again after I find out what happens.
There are many places where one can find the interest rates for student loans. One can find the interest rates for student loans by visiting popular on the web sources such as Wells Fargo, ASA, and Discover Student Loans.
Talk with whoever you got your student loans through. They will be able to tell you if you can consolidate your loans or not.
In the US, you can get student loans through the federal government by using FAFSA.
To find out more information on applying for student loans go to www.fafsa.ed.gov. You will find all the information you will need for applying for loans for school.
You can find out information about alternative student loans and the competitive rates of student loans by sitting down with your banker and seeing what options they suggest.
One can find more information about personal student loans online at financial aid websites and at participating banks. Federal student loans offer more advantages than private loans.
I have only heard undue hardship used in a bankruptcy context when dealing with student loans. In this context, undue hardship means that you have some kind of permanent disability and are therefore unable to pay off your student loans. Basically, you would need to be paralyzed, have MS or ALS, Parkenson's, etc... Merely being unable to find a job in the filed you studied is not enough.
National Student Loans and CanLearn are two organisations that can offer student loans to Canadians studying in Canada. Loans for overseas studies are also available but may be constrained by course type and duration.
You can find info at www.defaultms.com/loan_forgiveness.html
If you are looking for student loans you can go here: www.studentloans.gov/ to find a wide variety of student loans that will fit your needs for your education.
Quicken Loans has an excellent section on how to obtain a loan or mortgage after filing bankruptcy. Most debt consolidation centers and bankruptcy attorneys will have information or references for those seeking information on applying for a post-bankruptcy loan or mortgage.