Who said loans can't be paid off 
 I've heard that you can get credit cards to pay off your student loans and then claim bankrupt. I don't know if people are allowed to refinance their student loans but I don't see why they can't, isn't all about making money anyway? All these rules have me very worried about paying back my student loans, to the point that I am beginning to wonder if I did the right thing by borrowing money to help support my family while getting a better education.