Forty-five million Americans owe a total of more than $1.7 trillion in student loan debt, nearly all of which is backed by taxpayers. The FRESH START Through Bankruptcy Act of 2021 is a proposed bipartisan attempt to restore the borrower's ability to discharge student loans after a ten-year waiting period. What can you expect if this bill moves forward and how can you answer the questions your clients will have? Attend this informative webinar to learn more about this ambitious—and already controversial—initiative.

Learning Objectives:

• Recall the current "undue hardship" framework (Brunner test or totality of the circumstances test)


• Differentiate between the new waiting periods and how they used to be


• Define the importance of income-driven plans


• Evaluate the elimination of the certainty of hopelessness standard that evolved since Brunner


• Recognize the exclusion of private student loans