Private Loans

• If you borrowed money from a private lender such as a bank or credit union for your education, rather than the federal government, it can usually be included in bankruptcy along with your other personal loan and credit card obligations.
  
  

Permanent Disability

• In instances of a serious and permanent disability, such as paralysis, the U.S. Bankruptcy Court notes on its website that a judge may forgive all student loans.
  
  

School Closure

• If the school or college you paid for with student loans has closed, any accrued debt--even federal--can be permanently dissolved through bankruptcy, according to the U.S. Bankruptcy Court.
  
  

Admissions Policies

• If you did not graduate from high school or acquired a GED and were permitted to attend a college-degree program without passing some kind of test, resulting federal student loans can be included in your bankruptcy, according to the Stephen Elias book "The New Bankruptcy: Will It Work For You?"
  
  

Other Debt

• Bankruptcy forgiveness also includes debts such as emergency loans, late fees or library fines owed to a college or other institution, Elias says.