Well, I am sorry to report that the drafters of the Bankruptcy Code (likely with some help of financial institution lobbyists) are one step ahead. The Bankruptcy code section 523(a)(8)(B) incorporates the IRS definition of student loan under Internal Revenue Code 221(d)(1). That section states that a qualified education loan includes the refinance of that loan. Hence, the debt incurred by paying the student loan off with a credit card is not dischargeable in bankruptcy. Of course, it may be unlikely that the new creditor catches on to the fact that the previous debt was a student loan or that the new creditor will do anything about it.
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