[throwaway_law]

>This makes them _de facto_ nondischargable.

I have gotten student loans ($100k+) discharged for clients.

My experience is most people who say student loans are not dischargable have never gone through bankruptcy and have no idea what the process is to discharge regular debts nor student loans. This is true of even some lawyers, who are more than happy to take your fee, but don't know what they are actually doing.