[CLBS] Public service student loan forgiveness and Chapter 13

[Tecla Druffel]

This question relates to an unfiled Chapter 13 case. Wife has substantial
student loans. She works in public service and does not make much money.
She tells me that she is on an income-based public service forgiveness plan
for one of her federal loans. She paid a lawyer years ago to make it so the
student loan servicer disregards her husband's income (which is rather
substantial). Her monthly repayment on this loan is $0 per month. After 120
qualified payments of $0, the balance of this loan will be forgiven.

The clients are about to file a 60 month Chapter 13 case. What, if
anything, can I do to keep the client's repayments of $0 intact during the
pendency of her case so she doesn't lose five years of qualifying payments?

Anyone had this issue come up? How have you preserved your client's
position with regard to the public service loan forgiveness programs?

Thanks,
Tecla

Tecla Elizabeth Druffel, attorney at law

TED BK, PLLC

312 Main Street

P.O. Box 323

Lewiston, ID 83501

Ph: (208) 743-9569

Fax: 1-(888)-877-4307

tecla at lewistonbankruptcylawyer.com <tecla at qwestoffice.net>