I'm a bit unclear as to what you mean by "consolidated". If loans are from private lenders, and have no Federal/State connection, they are probably dischargeable. If they are FAFSA, SLMA, Stafford, or something of that nature, the general ruling is they are not. There are a few exceptions, such as "hardship discharge" because of disability. A bankruptcy attorney could advise in this matter, after reviewing your contractual agreement(s).
If the student loan is a federal loan and not a private loan then the answer is no. Federal student loans can not be included in bankruptcy, you will always be responsible for repayment of FEDERAL student loans.
No you can not file bankruptcy on anything that is court ordered.CAN YOU FILE BANKRUPTCY ON RESTITUTION?
You can't. Bankruptcy does not forgive you for federal taxes.
Any school will give a refund if you receive enough funding from whatever source that may be Federal Student Loans, Pell Grants, Private Funding/3rd Party funding, etc. However, you should not be looking at schools based on what school gives refunds. You do realize if you pull out federal loans there is no hiding from them. You cannot file bankruptcy on federal aid, and when you die any money you owe for them loans goes onto your husband/wife, and/or children. Be smart.
check Federal Bankruptcy act 801.3
See http://www.finaid.org/questions/bankruptcy.phtml for the answer.
While in general you should always follow your attorney's advice, you may wish a second opinion from another attorney this time. A bankruptcy does not get you out of student loans. If you were going to lose your income tax refund to the student loan people, then even after bankruptcy you still will.
No you cant file on anything owed to government.
It's my understanding that student loans are not discharged by bankruptcy any longer. YOu should check this, though
When you file bankruptcy, you may wish to reconcile a loan. Basically, it's a loan that you have that you don't want to file bankruptcy on. You intend to keep paying it as normal, while still declaring bankruptcy on other loans.
Gov't insured or Guaranteed loans are not dischargable.
no it will stay with you forever like student loans