<p>In addition to hardship discharges in bankruptcy, which are possible in theory (although perhaps not so much in practice, if the article is a reflection of the norm), there is also a total and permanent disability discharge available: [Total</a> and Permanent Disability Discharge | Federal Student Aid](<a href=“http://studentaid.ed.gov/repay-loans/forgiveness-cancellation/charts/disability-discharge]Total”>http://studentaid.ed.gov/repay-loans/forgiveness-cancellation/charts/disability-discharge).</p>