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If you have an attorney, the court might find that your circumstances aren’t dire enough to warrant a student loan discharge.

Filing costs: You must pay court filing fees unless the court waives them.

The reason is that federal student loans offer income-driven repayment plans, while private student loans do not.

Your loan type: You may have a better chance of discharging or settling a private student loan in bankruptcy than a federal student loan.

If your only debt is your student loan: If you have no other debt, you are not likely to win your case to discharge your student loan.

If you have other debts that are a higher priority than student loans, you could end up accruing additional interest on your student loans.

Potential you may owe more: The bankruptcy court will decide how much you will pay each of your creditors each month.

To view a list of software that comes pre-installed on UQ computers, search 'pre-installed'. Search by software name, or by software suite such as 'Adobe', 'Microsoft', or 'Autodesk'. Statistical data analysis and modelling.Research: academic research allowed (but not commercial).Commercial: commercial research and consulting allowed.Administration: University administration and professional staff may use.Software usage rules are listed in the ‘Usage restrictions’ column. Free: this software has no cost, but could have restrictions on how and where it can be used, such as research purposes at St Lucia campus only.You will need to request a quote from one of UQ’s preferred suppliers and then place an order through UniFi. Request a quote: this software is available for use at UQ, but is not covered by an existing UQ funding arrangement, and is not available through UQeMarket.For more information on how to access and use UQeMarket, see the instructions for UQeMarket purchases. Purchase through UQeMarket: this software is available for use at UQ, but you will need to purchase a licence through UQeMarket.If you're not sure if you're allowed to use these programs you can submit an IT request for more information. Funded site licence: this software has been purchased by a specific organisational unit, and they may have restrictions on who can use it and where.There may be restrictions on where you can install it and who can use it. You can install these programs on UQ-owned computers.

Centrally funded: this software is purchased by ITS and can be used by UQ staff or students.Software at UQ is covered by a range of funding arrangements that appear in the ‘Purchase’ column of the table: