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A few years ago, Lauren had a big problem. The Queens, N.Y., resident had graduated from college with an art degree as the Great Recession had hit. She had private student loans with high interest rates. For work, all she could find were retail jobs. And by 2016, her loans had ballooned to about $200,000.

“ ‘I can’t afford to actually pay my bills and eat and pay my rent,’ ” she remembers thinking. “I was financially handicapped. I mean, my student loan payments were higher than my rent was.”

So Lauren started to look into bankruptcy. She doesn’t want her last name used because she thinks all this might hurt her job prospects.

Over the years, a myth has taken hold that you can’t get student debt reduced or wiped out through bankruptcy. But many bankruptcy judges and legal scholars say that’s wrong. And bankruptcy can be a way to get help.

Myth Busted: Turns Out Bankruptcy Can Wipe Out Student Loan Debt After All

Image: Mitch Blunt/Getty Images/Ikon Images