Quick answer
Some student debt requires a separate dischargeability proceeding and a legal showing; it is not automatically erased or universally impossible to discharge.
Do now
Identify each loan, owner, program, balance, payment history, income, expenses, and hardship evidence. Ask about the applicable legal standard and DOJ’s current process for relevant federal loans.
Watch for
DOJ guidance does not itself grant a discharge or apply identically to every private loan. The bankruptcy court decides the proceeding.
Official sources
DOJ — Student Loan Guidance, US Courts — Discharge in Bankruptcy.