FreshStart Discharge

You've carried this
long enough.

The guided path to student loan discharge most people never knew existed.
87% of filers succeed. 99.8% of eligible borrowers never try. Until now.

Takes under 3 minutes. No payment required.
87%
post-reform success rate
99.8%
of eligible filers never try
~$115K
average discharge amount
The Gap No One Talks About
Student loans can be discharged in bankruptcy. Almost no one knows.

In 2022, the Department of Justice and Department of Education reformed the process for discharging student loans in bankruptcy. The success rate jumped. The paperwork got simpler. But the information never reached the people who need it most.

Research published in the American Bankruptcy Law Journal found that 499 out of 500 eligible filers never even attempt discharge — not because they'd fail, but because they don't know the path exists.

FreshStart Discharge is that path. A step-by-step guided filing system that walks you through the adversary proceeding — the forms, the language, the sequence — at your own pace. No attorney required.

Source: Iuliano (2025), American Bankruptcy Law Journal, Vol. 99, Issue 3.
Free Eligibility Check
See if you qualify.
5 questions. Under 3 minutes. No payment required.
What is your current bankruptcy status?
What type of student loans do you have?
Which best describes your current situation with your student loan payments?
Is your financial hardship likely to persist for a significant portion of your repayment period?
Have you made good-faith efforts to repay your student loans?
Your results are ready.
Enter your name and email to see your eligibility result and next steps.
We respect your privacy. No spam, unsubscribe anytime.
Based on your responses, this path may not be the right fit right now.
The eligibility criteria for student loan discharge through bankruptcy are specific, and your answers suggest the current process may not align with your situation. That said, circumstances change — and we encourage you to explore other options for managing your student loan debt, including income-driven repayment plans and forgiveness programs.
How It Works
Three steps. One clear path.
1
Check your eligibility
Answer 5 questions based on the same criteria courts use. Get a clear, honest assessment of where you stand — free.
2
Follow the guided process
FreshStart Discharge walks you through every form, every filing, and every step of the adversary proceeding — in plain English, at your own pace.
3
File with confidence
You leave with the completed materials and knowledge you need to file pro se. No attorney required — though you'll be well-prepared if you choose to consult one.

499 out of 500 eligible filers never try.
Be the one who does.