Private student loans cannot be discharged in bankruptcy if the loan is originated by a not-for-profit company (I’m oversimplifying but this is the gist.)  Educap has created quite a niche for itself by being technically not-for-profit but still being lucrative for its principle players.  See this CBS news story.  Educap has been suing student loan borrows lately, and I have my suspicions about these lawsuits.  If you have any experience being sued by Educap, either now or anytime within the past 2 years, please contact me.  If you have a live case that needs defending, I will try to find a NACA member attorney in your area.  If you have a dead case, I will look at it to see if I can see any offensive claim you can make.