Private student loans for school

Federal??student loans are not dischargeable. I am not too sure about private student loans. More will be along to clarify, hang tight.

Please see
http://www.debtconsolidationcare.com/student/privateloan-payment.html
Most questions were answered there.
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There is a time limit for private student loan collection and private collectors do not have as many??colletion tools??as the government.
The time limits on how long private student lenders can try to collect vary by state, but are usually about six years after default. You should contact an attorney in your state to find out more about time limits (also called statutes of limitations).
There is a HUGE difference between "PRIVATE" student loans and "GOVERNMENT" student loans.
Private student loans are just like any other loan, all rules are the same. (ie. collections SOL bankruptcy...)
Government student loans are just that and they have their own rules

Private student loans are NOT just like any other loan...SOL is different and they are not dischargeable in bankruptcy.

To the op...abuse of a student loan for whatever reason would not be grounds to have it discharged.

I understand about the private loans not being discharged but i know there are private loans that go directly to the school and then those that send you the check directly.?? Are they considered differently??????? even if you didnt use the funds for school? thanks

Soaplady you are correct.
I just found this information it might be of some help.
The borrower's bankruptcy options on student loans have shrunk to a very few.?? Changes to the Bankruptcy Code in late 1998 made student loans non dischargeable, regardless of the age of the loan, unless the borrower can establish substantial hardship.?? Changes in 2005 made even private student loans non dischargeable.
Absent a showing of substantial hardship, the best that bankruptcy can do with respect to student loans may be to eliminate other debts that compete for the borrower's dollars, or to provide a measure of peace during a Chapter 13 case.???? Some courts will permit debtors to separately classify student loans in Chapter 13 and pay them a greater percentage than other unsecured debt.
It may also be possible to challenge either the enforceability or the accounting issues surrounding a student loan in bankruptcy.
Hardship discharge
Student loans are no longer dischargeable in bankruptcy just because they have been in pay status for a given period of time.?? The only way the loan can be discharged is by proving that repayment of the loan will create an undue hardship on the debtor/borrower and his family.
This standard is generally interpreted to mean that the debtor cannot maintain a minimally adequate standard of living and repay the loan.???? It usually requires a showing that the conditions that make repayment a hardship are unlikely to improve substantially over time.?? Many courts use the test for undue hardship found in the Brunner case.
Courts in some circuits will permit the judge to find that the debtor can repay a portion of the loan without hardship, and to discharge the balance of the loan.
To discharge a student loan in bankruptcy, the debtor must bring an adversary proceeding in the bankruptcy case.?? The debtor must prove at trial that repayment constitutes undue hardship.
Contesting the enforceability of the loan
Student loans are contracts like any other loan and are subject to challenge for fraud, etc.?? Also, students loans are not enforceable when the school has closed prior to the student completing his education.?? These challenges could be raised in a Chapter 13 proceeding and decided by a bankruptcy judge.?? In the usual Chapter 7, there is no dividend to creditors and thus no reason for the bankruptcy court to rule on the enforceability of a claim, outside of an adversary proceeding to obtain a hardship discharge.
Challenging the loan balance
A pervasive problem in student loans is the state of the lender's records:?? the loan has been transferred several times and it is not clear just what is owed and whether all the additional charges are in accordance with law.??
Consider using an objection to the claim of the holder of a student loan?? in a Chapter 13 to get a judicial determination of the rights of the borrower:?? in bankruptcy, the burden of proof is on the creditor.?? Once a judge decides what is properly owed, principles of collateral estoppel should make the decision of the bankruptcy court binding on the lender even if the repayment period on the loan stretches beyond the end of the plan.
Living with student loans
There is some small comfort in the federal regulations which restrict the amount of a student/borrower's wages that can be garnished to repay a student loan to 10% of the borrower's take home pay.?? 59 Fed. Reg?? ?? 22473.
Of course, the lender also has the right to intercept tax refunds and apply them to the loan.?? More on collection on defaulted student loans.