New research shows a growing number of distressed student-loan borrowers are discharging debt through a streamlined bankruptcy process. The study found that borrowers using the simpler procedure have a higher success rate in shedding student debt, and researchers argue that more eligible borrowers should consider the option. The work analyzed outcomes under existing bankruptcy law and the streamlined mechanisms available in certain jurisdictions. It identifies characteristics of successful petitions and cites court decisions and bankruptcy practitioners as primary sources. The report did not propose new legislation but focused on access to existing legal remedies. For university financial-aid offices, loan counselors and policymakers, the findings underline rising legal avenues for debt relief and the potential need to advise distressed borrowers on bankruptcy risks and processes.