Student loan debt is one of the types of debt that is not dischargeable in bankruptcy, which means, unlike credit card debt, you can't just wipe it out. However, you can deal with it, and one of the way to deal with it is to file chapter 13 bankruptcy. This works when someone is faced with an insurmountable amount of student loan debt and an insurmountable monthly payment. You can't, for example, make a student loan payment if you're just out of school and the student loan payment is equivalent to a mortgage payment. In chapter 13, you don't have to make that student loan payment. You can put it on ice for up to five years and make a lower payment during that time. The idea is at the end of the five years, you're in a better position financially to deal with the debt that you know will still be there because it's not dischargeable.