Did you even read your link? uliano’s study is worth reading. He reviewed every bankruptcy case involving student loans in 2007. He found that of the 16

Did you even read your link? uliano’s study is worth reading. He reviewed every bankruptcy case involving student loans in 2007. He found that of the 169,774 student loan debtors filing bankruptcy, only 213 filed adversary proceedings, a necessary step to discharge student loans. And of that 213, 51 received full discharges, 30 received partial discharges and 25 received an administrative remedy. In other words, 0.1% of bankruptcy filers even tried to discharge their student loans. And of those who tried, 50% of them received some kind of relief from the court and 25% received a full discharge of their student loans. So either the who-knows-how-many attorneys involved in 169,774 - 213 = 169,561 bankruptcy cases (99.87% of such cases) involving student loans are incompetent, or ... student loans are functionally impossible to discharge in bankruptcy.