No, not based upon the facts you present. "Charged off" is an accounting term that merely means the lender can no longer report the claim it has as an asset. That has nothing to do with their ability to collect the debt.
There are extraordinary reasons for being able to discharge student loans, but none of those rare situations is evident in your description of your situation.
Do everything you can to get current with them or ask for a forbearance (which can help your situation temporarily). Not paying them will only incur more interest and force you to deal with a worse situation later.
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These sound like straight up qualifying loans which won't get discharged under the facts you presented. I'd switch over to IBT = income based repayment. You only pay what you can afford based on last years tax returns and they won't mess with your credit that way.
The above is general legal and business analysis. It is not "legal advise" but analysis, and different lawyers may analyse this matter differently, especially if there are additional facts not reflected in the question. I am not your attorney until retained by a written retainer agreement signed by both of us. I am only licensed in California. See also avvo.com terms and conditions item 9, incorporated as if it was reprinted here. Please visit my web site: www.avanesianlaw.com for more information about my services.Ask a similar question
I am an attorney in Hilton Head, SC and I do agree with the two other answers. These loans will not be erased in bankruptcy and I am not hearing that you qualify for forgiveness of the loans. However, you may want to look into chapter 13 bankruptcy for the purpose of debt restructuring with payments over a 5 year term depending on your assets, debts and income, or perhaps chapter 7 which may help to free up some of your income so as to allow for its reallocation by doing away with dischargeable debt. Contact me if you would like to explore this matter further.Ask a similar question