cville deac
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Just discharge them in bankruptcy, amirite?
GSLs are non-dischargeable in bankruptcy. Have been since 1998. Used to be they were dischargeable after 7 years. But with people borrowing more $$ over longer periods of time because of the increased costs of higher ed, Congress just made a blanket rule that they're never dischargeable in some higher ed act of 1998 (not part of bk reform). You can still make them dischargeable if you can prove undue hardship, but that is a terribly high standard to meet - you're prolly better off trying to get them administratively discharged if it's a USDOE loan.