Automatic BK Student Loan Forbearance?

[ease]

So Sallie Mae stopped sending me email statements because of the filing. I guess creditors are limited in how they contact us once we file. They need to comply with the fair credit thing.
My understanding was that the student loan was not included in the BK.
When I called Sallie Mae today, they told me I was in bankruptcy forbearance. I tried expaining that we didn't expect the debt to be discharged but she just kept repeating that it was in forbearance until discharge. I didn't think to ask to speak to a supervisor. I also don't want extra interest to accrue between now and my discharge.
I left a message for my attorney but he has a 72 hour return call thing. I'm wondering if any of you BK sages can enlighten me.

[backtoschool]

So Sallie Mae stopped sending me email statements because of the filing. I guess creditors are limited in how they contact us once we file. They need to comply with the fair credit thing.
My understanding was that the student loan was not included in the BK.
When I called Sallie Mae today, they told me I was in bankruptcy forbearance. I tried expaining that we didn't expect the debt to be discharged but she just kept repeating that it was in forbearance until discharge. I didn't think to ask to speak to a supervisor. I also don't want extra interest to accrue between now and my discharge.
I left a message for my attorney but he has a 72 hour return call thing. I'm wondering if any of you BK sages can enlighten me.

Student loans go into automatic forbearance during bankruptcy and yes interest accrues on them while they are in forbearance. In chapter 7, you can opt to make voluntary payments on the loans while in the bankruptcy process, but you have to mail payment checks to a special bankruptcy address. You can no longer pay online while your student loans are in bankruptcy forbearance.

In a chap 13, whether or not you can make payments on the student loans while in bankruptcy is up to the trustee and varies widely from district to district.

[ease]

Student loans go into automatic forbearance during bankruptcy and yes interest accrues on them while they are in forbearance. In chapter 7, you can opt to make voluntary payments on the loans while in the bankruptcy process, but you have to mail payment checks to a special bankruptcy address. You can no longer pay online while your student loans are in bankruptcy forbearance.

In a chap 13, whether or not you can make payments on the student loans while in bankruptcy is up to the trustee and varies widely from district to district.

Thank you.
So I just have to find out that secret BK address from Sallie Mae?
Another 30 minutes on hold. Ah well, it's a small price to pay for the deep sleep I'm finally getting.

[jadams]

And make sure you keep good records of what you pay -- and verify it was properly credited when your loans come out of the forbearance.

I've seen many reports that payments made during the BK forbearance "disappear".