How hard is is to recieve discharge for Student loan if you fall in the undo hardship? I am filing pro se.

In order to discharge your student loans in bankruptcy, you would need to file a lawsuit in bankruptcy court against the lenders called an adversary proceeding. You would have prove that repaying the loan would be an "undue hardship" on you or your dependents. While it sounds easy, it still requires a lawsuit and is really more complicated that it sounds. And of course the lender would hire an an attorney to fight the discharge request. And if you can afford to hire and attorney, perhaps the court might find that you have the resources to repay at least some of the loan. Unless you find an attorney to take handle the case pro bono or have a someone else paying the fees for you, it can be a difficult battle. There are also nonbankruptcy options available. You can apply to have your loans "administratively discharged" if you meet certain requirements. I've included a link before for more information on how you can pursue that options.

Most bankruptcy attorneys feel it is too hard for them to pursue this type of case without involving a mentor who has experience in this field, so I would say it is very hard. You may want to look for a pro bono project associated with helping those who are disabled to have a better chance of success. Hope this perspective helps!

I have fought a few hardship discharge cases over the years. One of the hardest that I fought I took over from a Pro Se debtor. We had a very big hole to di out of because of deadlines, pleadings, and hearings messed up. I recommend that you seriously consider hiring an attorney. It's not just for the part of the professional assessment of the merits of the case and the applicability of the law to your case; I recommend an experienced attorney because there are financial consequences that will blow back to you if you make a mess of the proceedings and lose. Proceed with caution. Know that the standard for undue hardship is very high, and that the opposing sides attorney fees get added to your outstanding student loan balance if you lose the hardship litigation. Good Luck!

Almost impossible unless you are very old and have very little or no income and you have been paying on your student loans for a long long time. No matter what you have a fool for a client if you are trying this alone.