Your credit score will decrease after a bankruptcy discharge. The amount of the decrease will depend on where your credit score stood before the bankruptcy. Although bankruptcy will release your obligation from several debts, it will still reflect poorly on your credit report. Your unpaid debts will appear as discharged on your credit report, which is the worst remark that debt can leave on your credit history. To determine how far your credit score will tumble, you have to consider your score before bankruptcy. The higher it was, the further it had to fall. For example, someone who has an excellent 780 credit score will, on average, have a score around 540 after bankruptcy. That is a loss of 240 points. But if you have a fair credit score of around 680 before bankruptcy, you will fall to around 530 after the judge finalizes your case. That is a loss of 150 points. The fall will be less sharp if you have bad credit before your bankruptcy. Some people with very low credit scores may lose less than 100 points after a bankruptcy case. Federal student loans often have wording in the contracts that makes them very difficult to include in a bankruptcy case. As such, student debt is hard, but not impossible, to have dismissed during bankruptcy.