I interview Austin Smith, a bankruptcy lawyer in New York City who is devoted to discharging student loans in bankruptcy. Austin is a legal genius who has blazed a trail for discharging student loans that other bankruptcy lawyers can follow.

Some of the highlights in this interview include:

* How Austin invented a novel legal theory that allows him to discharge many private student loans in bankruptcy.

* Why student loans to attend "unqualified" institutions can be reliably discharged via bankruptcy (and how to determine which institutions are unqualified).

* Exactly how some former students can also discharge their student loans (Hint: part-timers and foreigners may be in luck).

* And most important, how to calculate a student's annual "cost of attendance" to identify which private student loans can be discharged entirely.

* And a whole lot more, including how to settle with student lenders to reduce loan balances to pennies on the dollar, without ever stepping foot in court.

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