Hi Heather.  My ex husband and I consolidated numerous loans from our college days while we were still married.  Per the divorce decree he is responsible for 1/2 of all payments & half of the balance.  I’ve tried EVERYTHING to get the loan divided into 2 accounts with each of us separate (he’s not very reliable), but to no avail.  I was told by one attorney (not sure if he knew what he was talking about) that if the ex filed for chapter 13 (restructuring) that a federal judge could - and would - separate out the loan into two separate accounts.  The attorney said this was the only way it (the one account into 2 accounts) could/would happen.  Do you know if this is true, partially true, or completely false?  I know that student loans can not be discharged in chapter 7.  Thank you so much for your help.