Which, in my case, allowed for bankruptcy. Until I hit financial hard times a few years later. By that time, they had (in 2005) retroactively removed my ability

Which, in my case, allowed for bankruptcy. Until I hit financial hard times a few years later. By that time, they had (in 2005) retroactively removed my ability to declare bankruptcy on private student loan dept. (And for the record, I don't expect you to debate every point or be an expert on the matter. I'm just saying that it's not a cut and dry issue, in my mind.)