That isn’t so much a question of sympathy as much as a question of the type of asset. If you go into bankruptcy they can claim the physical car and use it to re

That isn’t so much a question of sympathy as much as a question of the type of asset. If you go into bankruptcy they can claim the physical car and use it to reduce their loss. If you could dischharge student loans you would have to sign over the rights to any future financial gain you would have from your education to let them reduce their loss. This is essentially what happens when they garnish your wage to reduce the loan, but ofcause not in a clean cut bankruptcy like process.