If you’re unsure whether you have the legal right to discharge your student loans, you should find out your options. You can file a complaint with the Federal Trade Commission or the Consumer Financial Protection Bureau. The Student Loan Ombudsman can help you resolve any dispute you have about your loan. He or she is an independent advocate who will listen to your complaint and act. It is important to know your rights and be aware of your options.If you’re unable to make the payments on your student loans, you can request a payment plan change. Some states have passed legislation to help borrowers get out of default. You can also request a forbearance if your total student loan payments exceed 20% of your income, or you’ve fallen behind on several months. Most forbearance have limits on how long they can last, and the loan service provider is required to give you a notice of its delinquency.If you need to borrow money for school, you’ve got rights. Federal laws protect borrowers and lenders from abusive loan servicers, and they enact legislation to protect student borrowers. The Borrower’s Bill of Rights allows states to enshrine these standards in the consumer lending market. When it comes to your loans, you have a right to demand that your loan servicer respect your privacy.