In general, student loans are not typically dischargeable through bankruptcy, whether it's Chapter 7 or Chapter 13 bankruptcy. However, there are some exceptions and nuances to this rule:

1. Undue Hardship Discharge: While it's challenging, it is possible to discharge student loans in bankruptcy if the debtor can demonstrate that repaying the loans would impose an undue hardship on them and their dependents. Courts use different tests to determine undue hardship, but generally, the debtor must prove that they cannot maintain a minimal standard of living while repaying the loans and that their financial situation is unlikely to improve in the future.

2. Chapter 13 Bankruptcy: In Chapter 13 bankruptcy, the debtor creates a repayment plan to pay off debts over three to five years. While student loans cannot typically be discharged at the end of the repayment period, the debtor may be able to include the student loan payments in the repayment plan, which can help make the payments more manageable.

3. Cosigned Loans: If someone cosigned a student loan and the primary borrower files for bankruptcy, the cosigner may still be responsible for repaying the loan unless they also file for bankruptcy and successfully discharge the debt.

4. Private vs. Federal Student Loans: While federal student loans are generally subject to the same rules regarding dischargeability in bankruptcy, private student loans may have different terms and conditions. Some private lenders offer hardship programs or loan modification options to borrowers facing financial difficulties.

It's essential for individuals considering bankruptcy to consult with a qualified bankruptcy attorney to understand how bankruptcy may affect their student loans and to explore any available options for relief. Additionally, bankruptcy laws and interpretations can vary by jurisdiction, so what applies in one area may not apply in another.