Student Loans

Student loan discharge through Equity is one of the longer processes — typically taking one to two years of consistent application. It is also one of the more complex situations because the federal government can garnish wages without a court order, meaning asset protection through trust structures is strongly recommended alongside the discharge process.

Students have discharged student loan debt using Equity. The process follows the standard acceptance sequence. Consistency is the determining factor — students who stay the course see the discharge. Those who stop partway through do not.

Important notes on student loans:

• Federal loans allow garnishment without court order — trust structures are recommended for asset protection during the process
• Private loans follow standard commercial debt acceptance process
• Income-based repayment and forgiveness programs are separate from the Equity process — Equity addresses the commercial obligation directly
• Timeline: expect one to two years of consistent application

The student loan acceptance process is covered in Honor with Equity. For students with significant loan balances, combining the discharge process with trust-based asset protection through the Equity Trust System is strongly recommended.