Video Transcription: Question Can I Stop Paying Student Loans After Chapter 7 Bankruptcy Discharge? Answer Student loans are not exemptible or dischargable in Chapter 7 bankruptcy. When you file your bankruptcy case we will list your student loans. They are not allowed to garnish your wages or garnish your tax refund, or try to collect from you while your bankruptcy case is active. However once you receive your discharge and complete your bankruptcy case the debt is still there and you will be required to continue making payments to them and satisfy that obligation in full.