Question: I have three private student loans that is in default.i can not afford to pay them them. i have a co-signer but she can not pay them as well. i tried to work with the debt collector but they want me to pay the full amount and dont want to work out anything with me like a payment arragment. so im wondering if i file a chapter 13 would it consolidate my student loans into a lower monthly payments or is there nothing i can do?
Answer:
Rating: +1
Assuming you qualify to file for Chapter 13 bankruptcy, doing so will allow you to pay your student loans through the Plan. During that time, the co-debtor stay would apply so your co-signer would not be subject to continued collection activity. If your Chapter 13 Plan does not cover all of your student loan payments then you can always file another one as soon as the first one is completed; we have had clients who do this for no reason other than to handle their student loans more effectively.
I'm a consumer protection lawyer who helps people with their bill problems. The solutions I offer depend on your individual situation rather than being "one size fits all." In trouble? It's time we talked. 
I’ve been practicing bankruptcy law in New York for over 30 years. I will recommend bankruptcy only if it's right for you - not just because it happens to be the field of law in which I practice.
My professional background includes bankruptcy real estate and mortgage issues. My job is to help you get the solution that works best for you. This is more than your finances; it's your life and your future. 
