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MORALLY BANKRUPTHow the Student Loan Industry Stole a Generation’s Right to Debt ReliefJanuary 2022PROTECTBORROWERS.ORG AcknowledgmentsThis paper was prepared with foundational guidance and technical assistance from Austin Smith of Smith Law Group, LLP. Mr. Smith’s article, The Misinterpretation of 11 USC 523(a)(8), was foundational in articulating the proper scope and application of the student loan non-dischargeability provision of the Bankruptcy Code, and its arguments and reasoning have been adopted by bankruptcy courts all across the country. Mr. Smith’s work on behalf of student loan borrowers has been profiled by the Wall Street Journal, NPR, ABC News, Fox News, People Magazine, GOOD Magazine, the National Law Journal, Law 360, the American Bankruptcy Institute, and more. Business Insider has described Mr. Smith as the ‘Don Quixote' of canceling student debt.This paper also benefited from gracious review and input by John Rao of the National Consumer Law Center and Leigh Ferrin ...