{"id":16134,"date":"2026-09-19T09:24:47","date_gmt":"2026-09-19T13:24:47","guid":{"rendered":"https:\/\/juanburgoslaw.com\/es\/?page_id=16134"},"modified":"2026-09-19T09:30:32","modified_gmt":"2026-09-19T13:30:32","slug":"calculadora-prestamos-estudiantiles","status":"publish","type":"page","link":"https:\/\/juanburgoslaw.com\/es\/calculadora-prestamos-estudiantiles\/","title":{"rendered":"Calculadora de Pr\u00e9stamos Estudiantiles y Bancarrota"},"content":{"rendered":"\r\n\r\n<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section preset--group--divi-section--divi-sizing--default preset--group--divi-section--divi-sizing--hsj9uxo--default\"><div class=\"et_pb_row_0 et_pb_row et_block_row preset--group--divi-row--divi-sizing--h1k452m--default\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><div class=\"et_pb_code_0 et_pb_code et_pb_module preset--group--divi-code--divi-sizing--default\"><div class=\"et_pb_code_inner\"><style>\n\/* --- SPANISH BANNER STYLES (Modern Card) --- *\/\n#bankruptcy-means-test-banner-es {\n    display: none; 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\/* Brand Blue *\/\n    opacity: 0.85;\n    font-size: 13px;\n    margin-top: 2px;\n    font-weight: 500;\n}\n\n\/* --- RIGHT SIDE: ARROW BUTTON --- *\/\n.banner-arrow-btn {\n    background-color: #1e304f;\n    color: #ffffff;\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-size: 16px;\n    transition: transform 0.2s ease;\n    flex-shrink: 0;\n}\n\n.modern-banner-link-es:hover .banner-arrow-btn {\n    transform: translateX(3px); \/* Arrow moves right *\/\n    background-color: #2a456e;\n}\n\n\/* --- MOBILE OPTIMIZATION --- *\/\n@media (max-width: 480px) {\n    .modern-banner-link-es {\n        padding: 12px 15px;\n    }\n    .banner-headline {\n        font-size: 15px;\n    }\n    .banner-subhead {\n        font-size: 12px;\n    }\n    .banner-icon-circle {\n        width: 38px;\n        height: 38px;\n        font-size: 20px;\n    }\n}\n<\/style>\n\n<div id=\"bankruptcy-means-test-banner-es\">\n    <a href=\"https:\/\/juanburgoslaw.com\/es\/calculadora-prueba-de-medios-florida\/\" class=\"modern-banner-link-es\">\n        \n        <div class=\"banner-content-wrapper\">\n            <div class=\"banner-icon-circle\">\ud83e\uddee<\/div>\n            <div class=\"banner-text-group\">\n                <span class=\"banner-headline\">\u00bfCalifica para el Cap\u00edtulo 7?<\/span>\n                <span class=\"banner-subhead\">Haga la Prueba de Medios de Florida<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"banner-arrow-btn\">\u2794<\/div>\n        \n    <\/a>\n<\/div>\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function() {\n    \/\/ STRICT CHECK: Only show if URL contains \"\/es\/bancarrota\/\"\n    if (window.location.href.indexOf(\"\/es\/bancarrota\/\") > -1) {\n        \n        var banner = document.getElementById(\"bankruptcy-means-test-banner-es\");\n        if (banner) {\n            banner.style.display = \"block\"; \/\/ Reveal the banner\n        }\n    }\n});\n<\/script><\/div><\/div><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-sizing--default\"><div class=\"et_pb_text_inner\"><p><strong><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_flex_section preset--group--divi-section--divi-sizing--default preset--group--divi-section--divi-sizing--hsj9uxo--default\">\r\n\r\n<div class=\"et_pb_row_1 et_pb_row et_flex_row preset--group--divi-row--divi-sizing--h1k452m--default\">\r\n\r\n<div class=\"et_pb_column_1 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><div class=\"et_pb_code_1 et_pb_code et_pb_module preset--group--divi-code--divi-sizing--default\"><div class=\"et_pb_code_inner\"><!--noptimize-->\n<!--\n  Calculadora \/ Evaluaci\u00f3n de Pr\u00e9stamos Estudiantiles \u2014 Divi 5 Code Module (ES)\n  Juan Burgos Law | Versi\u00f3n en espa\u00f1ol del \"Student Loan Discharge Screener\" EN,\n  siguiendo el mismo patr\u00f3n WS-C6 \/ WS-J. Misma l\u00f3gica JS, mismas clases jbsl-*,\n  solo texto traducido\/localizado (no es traducci\u00f3n literal palabra por palabra).\n\n  NOTAS IMPORTANTES \u2014 LEER ANTES DE PUBLICAR\n  1) ENTREGA DE CONTACTO: este widget no env\u00eda nada por s\u00ed mismo. Al terminar,\n     revela el formulario nativo del sitio usando el shortcode burgos_intake con\n     el atributo de idioma es (colocado como su propio m\u00f3dulo justo debajo de\n     este m\u00f3dulo de c\u00f3digo), que ya trae todas sus etiquetas en espa\u00f1ol gracias\n     al archivo de traducciones del plugin (bfl-translations.php). Ese formulario\n     est\u00e1 oculto (display:none v\u00eda la regla .bfl de abajo) hasta que la\n     evaluaci\u00f3n produce un resultado.\n  2) El tel\u00e9fono est\u00e1 fijo a (407) 505-4190 seg\u00fan numbers-reference.md.\n  3) Esta herramienta NUNCA da un \"s\u00ed\/no califica\" plano \u2014 la prueba de\n     dificultad excesiva (Brunner) depende de los hechos de cada caso. Los tres\n     niveles de resultado est\u00e1n deliberadamente matizados y todos llevan al\n     mismo bloque de llamada\/contacto.\n  4) NUNCA escribir el texto literal entre corchetes \"burgos_intake\" dentro de\n     comentarios de este archivo \u2014 WordPress escanea TODO el contenido del post\n     buscando shortcodes sin distinguir HTML\/script\/comentarios, y sustituye el\n     texto entre corchetes por el HTML del formulario en medio del script,\n     rompiendo el JS. Esto ya ocurri\u00f3 en la versi\u00f3n en ingl\u00e9s \u2014 referirse a \u00e9l\n     siempre sin corchetes.\n  5) Todo el m\u00f3dulo est\u00e1 envuelto en los marcadores \"noptimize\" de LiteSpeed\n     Cache (ver el comentario especial justo antes de esta nota, y su marcador\n     de cierre correspondiente al final del archivo) para evitar que la\n     optimizaci\u00f3n de LiteSpeed para visitantes an\u00f3nimos fragmente las etiquetas\n     style\/script de este widget. 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}\n    .jbsl-static h3 { font-size: 16px; color: var(--jbsl-primary-dark); margin: 0 0 10px; }\n    .jbsl-ref-table { width: 100%; border-collapse: collapse; font-size: 13.5px; margin: 0; }\n    .jbsl-ref-table th, .jbsl-ref-table td { border: 1px solid var(--jbsl-border); padding: 9px 10px; text-align: left; vertical-align: top; }\n    .jbsl-ref-table th { background: var(--jbsl-info-bg); font-weight: 700; color: var(--jbsl-text); }\n    .jbsl-faq-a { font-size: 14px; color: var(--jbsl-text-muted); line-height: 1.5; margin: 0; }\n\n    .jbsl-disclosure {\n      border: 1px solid var(--jbsl-border);\n      border-radius: 10px;\n      margin-bottom: 10px;\n      overflow: hidden;\n    }\n    .jbsl-disclosure:last-child { margin-bottom: 0; }\n    .jbsl-disclosure-title {\n      cursor: pointer;\n      list-style: none;\n      padding: 12px 40px 12px 14px;\n      font-weight: 700;\n      font-size: 14.5px;\n      color: var(--jbsl-primary-dark);\n      position: relative;\n      -webkit-user-select: none;\n      user-select: none;\n    }\n    .jbsl-disclosure-title::-webkit-details-marker { display: none; }\n    .jbsl-disclosure-title::after {\n      content: \"+\";\n      position: absolute;\n      right: 14px;\n      top: 50%;\n      transform: translateY(-50%);\n      font-size: 19px;\n      font-weight: 700;\n      color: var(--jbsl-primary);\n      line-height: 1;\n    }\n    .jbsl-disclosure[open] > .jbsl-disclosure-title::after { content: \"\\2212\"; }\n    .jbsl-disclosure-title:hover { background: var(--jbsl-info-bg); }\n    .jbsl-disclosure-title:focus-visible { outline: 3px solid var(--jbsl-focus); outline-offset: 2px; }\n    .jbsl-disclosure-body { padding: 2px 14px 14px; }\n\n    .jbsl-visually-hidden {\n      position: absolute; width: 1px; height: 1px; overflow: hidden;\n      clip: rect(0,0,0,0); white-space: nowrap;\n    }\n  <\/style>\n\n  <div class=\"jbsl-card\" id=\"jbsl-wizard-card\">\n    <p class=\"jbsl-eyebrow\">Gratis y Confidencial<\/p>\n    <h2 class=\"jbsl-h1\">Evaluaci\u00f3n de Pr\u00e9stamos Estudiantiles<\/h2>\n    <p class=\"jbsl-sub\">Responda cinco preguntas breves para ver si su situaci\u00f3n muestra se\u00f1ales que podr\u00edan respaldar la eliminaci\u00f3n de sus pr\u00e9stamos estudiantiles por bancarrota. Esta es una herramienta educativa, no una determinaci\u00f3n legal &mdash; vea su pr\u00f3ximo paso personalizado al final.<\/p>\n\n    <div class=\"jbsl-skip-cta\">\n      <button type=\"button\" class=\"jbsl-skip-btn\" id=\"jbsl-skip-btn\">\n        <span>\u00bfPrefiere saltar las preguntas y solo enviarnos su nombre e informaci\u00f3n?<\/span>\n        <span class=\"jbsl-skip-arrow\" aria-hidden=\"true\">&darr;<\/span>\n      <\/button>\n    <\/div>\n\n    <div class=\"jbsl-progress-wrap\">\n      <div class=\"jbsl-progress-label\">\n        <span id=\"jbsl-progress-text\">Paso 1 de 5 &middot; Su estado de bancarrota<\/span>\n        <span id=\"jbsl-progress-pct\" aria-hidden=\"true\">20%<\/span>\n      <\/div>\n      <div class=\"jbsl-progress-track\" role=\"progressbar\" id=\"jbsl-progressbar\" aria-valuemin=\"0\" aria-valuemax=\"100\" aria-valuenow=\"20\" aria-label=\"Progreso de la evaluaci\u00f3n\">\n        <div class=\"jbsl-progress-fill\" id=\"jbsl-progress-fill\" style=\"width:20%;\"><\/div>\n      <\/div>\n    <\/div>\n\n    <form id=\"jbsl-form\" novalidate>\n\n      <!-- PASO 1: Estado del caso -->\n      <div class=\"jbsl-step jbsl-active\" data-step=\"1\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">\u00bfEn qu\u00e9 punto del proceso de bancarrota se encuentra?<\/p>\n        <p class=\"jbsl-q-hint\">La condonaci\u00f3n de pr\u00e9stamos estudiantiles solo ocurre dentro de un caso de Cap\u00edtulo 7 o Cap\u00edtulo 13.<\/p>\n        <div class=\"jbsl-options\" data-group=\"filing\" data-type=\"radio\">\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"filing\" value=\"filed\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Ya present\u00e9 mi Cap\u00edtulo 7 o Cap\u00edtulo 13<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"filing\" value=\"planning\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Estoy planeando presentar, pero a\u00fan no lo he hecho<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"filing\" value=\"unsure\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">No estoy seguro &mdash; solo estoy explorando mis opciones<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"1\">Por favor elija una opci\u00f3n para continuar.<\/p>\n      <\/div>\n\n      <!-- PASO 2: Tipo de pr\u00e9stamo -->\n      <div class=\"jbsl-step\" data-step=\"2\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">\u00bfQu\u00e9 tipo de pr\u00e9stamos estudiantiles tiene?<\/p>\n        <p class=\"jbsl-q-hint\">Esto afecta qu\u00e9 proceso legal aplica a sus pr\u00e9stamos.<\/p>\n        <div class=\"jbsl-options\" data-group=\"loanType\" data-type=\"radio\">\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"loanType\" value=\"federal\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Pr\u00e9stamos federales (Direct, FFEL o Perkins) en manos del Departamento de Educaci\u00f3n<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"loanType\" value=\"private\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Pr\u00e9stamos privados (banco, uni\u00f3n de cr\u00e9dito, o prestamista privado)<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"loanType\" value=\"both\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Ambos: federales y privados<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"loanType\" value=\"unsure\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">No estoy seguro &mdash; necesitar\u00eda ayuda para averiguarlo<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"2\">Por favor elija una opci\u00f3n para continuar.<\/p>\n      <\/div>\n\n      <!-- PASO 3: Factor Brunner 1 - nivel m\u00ednimo de vida -->\n      <div class=\"jbsl-step\" data-step=\"3\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">Si tuviera que pagar el total de sus pr\u00e9stamos estudiantiles a partir de hoy, \u00bfqu\u00e9 pasar\u00eda?<\/p>\n        <p class=\"jbsl-q-hint\">Piense en vivienda, comida, servicios p\u00fablicos, transporte y gastos m\u00e9dicos.<\/p>\n        <div class=\"jbsl-options\" data-group=\"livingStandard\" data-type=\"radio\">\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"livingStandard\" value=\"2\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">No podr\u00eda cubrir mis gastos b\u00e1sicos de vida<\/span><span class=\"jbsl-option-sub\">Renta\/hipoteca, comida o servicios p\u00fablicos quedar\u00edan sin pagar<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"livingStandard\" value=\"1\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Podr\u00eda pagar, pero solo sacrificando otras necesidades esenciales<\/span><span class=\"jbsl-option-sub\">Dejar de ir al m\u00e9dico, atrasar cuentas, endeudarme m\u00e1s<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"livingStandard\" value=\"0\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Podr\u00eda manejar los pagos sin una dificultad mayor<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"3\">Por favor elija una opci\u00f3n para continuar.<\/p>\n      <\/div>\n\n      <!-- PASO 4: Factor Brunner 2 - persistencia -->\n      <div class=\"jbsl-step\" data-step=\"4\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">\u00bfAlguna de estas situaciones describe la suya? <span style=\"font-weight:400;\">(seleccione todas las que apliquen)<\/span><\/p>\n        <p class=\"jbsl-q-hint\">Esto ayuda a mostrar si su dificultad financiera probablemente va a continuar.<\/p>\n        <div class=\"jbsl-options\" data-group=\"persistence\" data-type=\"checkbox\">\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"disability\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Una discapacidad o enfermedad cr\u00f3nica limita mis ingresos<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"dependent-care\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Cuido a un dependiente con necesidades significativas<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"age\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Estoy cerca de la edad de jubilaci\u00f3n, con pocos a\u00f1os laborales restantes<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"income-ceiling\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Mi campo laboral tiene un tope de ingresos bajo, sin una v\u00eda realista para ganar mucho m\u00e1s<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"job-loss\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">He estado desempleado o subempleado por 6 meses o m\u00e1s<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"none\" data-exclusive=\"true\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Ninguna de estas aplica a mi caso<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"4\">Por favor elija al menos una opci\u00f3n para continuar.<\/p>\n      <\/div>\n\n      <!-- PASO 5: Factor Brunner 3 - buena fe -->\n      <div class=\"jbsl-step\" data-step=\"5\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">\u00bfCu\u00e1l describe su historial con estos pr\u00e9stamos? <span style=\"font-weight:400;\">(seleccione todas las que apliquen)<\/span><\/p>\n        <p class=\"jbsl-q-hint\">Las cortes examinan su esfuerzo general de buena fe, no solo si evit\u00f3 el incumplimiento.<\/p>\n        <div class=\"jbsl-options\" data-group=\"goodFaith\" data-type=\"checkbox\">\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"paid-when-able\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">He hecho pagos cuando he podido pagarlos<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"tried-idr\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">He intentado un plan de repago basado en ingresos, aplazamiento o tolerancia<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"contacted-servicer\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">He contactado a mi administrador de pr\u00e9stamos sobre mis opciones<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"in-default\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Mis pr\u00e9stamos est\u00e1n actualmente en incumplimiento (default)<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"never-attempted\" data-exclusive=\"true\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">No he hecho ning\u00fan pago ni intentado ninguna de las anteriores<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"5\">Por favor elija al menos una opci\u00f3n para continuar.<\/p>\n      <\/div>\n\n      <div class=\"jbsl-nav\">\n        <button type=\"button\" class=\"jbsl-btn jbsl-btn-secondary\" id=\"jbsl-back\" style=\"display:none;\">Atr\u00e1s<\/button>\n        <button type=\"button\" class=\"jbsl-btn jbsl-btn-primary\" id=\"jbsl-next\">Continuar<\/button>\n      <\/div>\n    <\/form>\n  <\/div>\n\n  <!-- RESULTADOS -->\n  <div class=\"jbsl-card\" id=\"jbsl-results\" aria-live=\"polite\">\n    <p class=\"jbsl-eyebrow\">Sus Resultados<\/p>\n    <div id=\"jbsl-tier-block\"><\/div>\n    <div id=\"jbsl-context-notice\"><\/div>\n\n    <div class=\"jbsl-convert\">\n      <div class=\"jbsl-call-card\">\n        <p class=\"jbsl-call-title\">Hable con un Abogado Ahora<\/p>\n        <a href=\"tel:+14075054190\" class=\"jbsl-call-btn\" id=\"jbsl-call-btn\">\u260e&nbsp; (407) 505-4190<\/a>\n        <p class=\"jbsl-call-note\">Consulta gratis y confidencial &middot; Se habla espa&ntilde;ol<\/p>\n      <\/div>\n      <p class=\"jbsl-form-pointer\">\u00bfPrefiere que lo llamemos? Complete el formulario breve de abajo &mdash; ya le agregamos un resumen de sus respuestas.<\/p>\n    <\/div>\n\n    <p class=\"jbsl-disclaimer\">Esta evaluaci\u00f3n ofrece un estimado educativo basado en sus respuestas. No es asesor\u00eda legal y no determina la elegibilidad para una condonaci\u00f3n de pr\u00e9stamos estudiantiles &mdash; eso solo lo puede determinar la revisi\u00f3n de un abogado de bancarrota y el Tribunal de Bancarrota. Los resultados no garantizan ning\u00fan resultado en particular.<\/p>\n\n    <button type=\"button\" class=\"jbsl-restart\" id=\"jbsl-restart\">Empezar de nuevo<\/button>\n  <\/div>\n\n  <span class=\"jbsl-visually-hidden\" id=\"jbsl-live-region\" aria-live=\"polite\"><\/span>\n\n  <!-- CONTENIDO EST\u00c1TICO DE REFERENCIA, SIEMPRE RASTREABLE (no depende del estado del wizard\/JS) -->\n  <div class=\"jbsl-card jbsl-static\">\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">La Prueba de Tres Factores de Dificultad Excesiva (Florida y el Onceavo Circuito)<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <table class=\"jbsl-ref-table\">\n          <tr><th>Factor<\/th><th>Qu\u00e9 examina la corte<\/th><\/tr>\n          <tr><td>Nivel m\u00ednimo de vida<\/td><td>Si pagar los pr\u00e9stamos, seg\u00fan sus ingresos actuales y gastos razonables, le impedir\u00eda a usted y a sus dependientes cubrir necesidades b\u00e1sicas.<\/td><\/tr>\n          <tr><td>Persistencia de la dificultad<\/td><td>Si existen circunstancias que muestren que su incapacidad de pago probablemente va a continuar durante gran parte del per\u00edodo de repago, no solo hoy.<\/td><\/tr>\n          <tr><td>Esfuerzo de buena fe<\/td><td>Si ha hecho un esfuerzo genuino por manejar los pr\u00e9stamos &mdash; esto puede incluir pagos parciales, repago basado en ingresos, aplazamiento o tolerancia, no solamente haber pagado a tiempo siempre.<\/td><\/tr>\n        <\/table>\n      <\/div>\n    <\/details>\n\n    <h3>Preguntas Frecuentes<\/h3>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">\u00bfDe verdad se pueden eliminar los pr\u00e9stamos estudiantiles con la bancarrota?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">S\u00ed, pero no de forma autom\u00e1tica. Bajo la Secci\u00f3n 523(a)(8) del C\u00f3digo de Bancarrota, usted debe demostrar que el pago le causar\u00eda una \"dificultad excesiva\", presentando una demanda especial (adversary proceeding) dentro de un caso de Cap\u00edtulo 7 o Cap\u00edtulo 13.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">\u00bfNecesito declararme en bancarrota primero?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">S\u00ed. La condonaci\u00f3n de pr\u00e9stamos estudiantiles no es un tr\u00e1mite independiente &mdash; solo ocurre dentro de un caso de Cap\u00edtulo 7 o Cap\u00edtulo 13 ya abierto o presentado al mismo tiempo.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">\u00bfQu\u00e9 es un \"adversary proceeding\"?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">Es una demanda presentada dentro de su propio caso de bancarrota, pidi\u00e9ndole a la corte que determine que sus pr\u00e9stamos estudiantiles cumplen con el est\u00e1ndar de dificultad excesiva y que deben eliminarse.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">\u00bfQu\u00e9 es la prueba Brunner?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">Es el est\u00e1ndar de tres factores que usan los jueces del Onceavo Circuito (que cubre la Florida): nivel m\u00ednimo de vida, persistencia de la dificultad, y esfuerzo de buena fe para pagar.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">\u00bfEsto solo aplica a pr\u00e9stamos federales?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">El proceso simplificado de certificaci\u00f3n del Departamento de Justicia y el Departamento de Educaci\u00f3n, y el programa 2026 del Distrito Medio de Florida, aplican espec\u00edficamente a pr\u00e9stamos federales en manos del Departamento de Educaci\u00f3n. Los pr\u00e9stamos privados tambi\u00e9n se pueden perseguir mediante el proceso tradicional.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">\u00bfCu\u00e1nto tiempo toma un caso de condonaci\u00f3n de pr\u00e9stamos estudiantiles?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">Var\u00eda seg\u00fan la complejidad del caso y si el gobierno estipula la dificultad excesiva o el asunto se litiga. Un abogado puede darle un estimado realista despu\u00e9s de revisar su situaci\u00f3n.<\/p>\n      <\/div>\n    <\/details>\n  <\/div>\n\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"WebApplication\",\"name\":\"Evaluaci\u00f3n de Pr\u00e9stamos Estudiantiles\",\"description\":\"Una herramienta educativa gratuita para ayudar a personas que se declaran en bancarrota en Florida a entender si su situaci\u00f3n muestra se\u00f1ales que podr\u00edan respaldar un caso de condonaci\u00f3n de pr\u00e9stamos estudiantiles por dificultad excesiva.\",\"applicationCategory\":\"UtilitiesApplication\",\"operatingSystem\":\"Any\",\"inLanguage\":\"es\",\"offers\":{\"@type\":\"Offer\",\"price\":\"0\",\"priceCurrency\":\"USD\"},\"provider\":{\"@type\":\"LegalService\",\"name\":\"Juan Burgos Law\",\"telephone\":\"+1-407-505-4190\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"1339 Arlington St\",\"addressLocality\":\"Orlando\",\"addressRegion\":\"FL\",\"postalCode\":\"32805\",\"addressCountry\":\"US\"}}}\n<\/script>\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"\u00bfDe verdad se pueden eliminar los pr\u00e9stamos estudiantiles con la bancarrota?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00ed, pero no de forma autom\u00e1tica. 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});\n    answers = { filing: null, loanType: null, livingStandard: null, persistence: [], goodFaith: [] };\n    current = 1;\n    wizardCard.style.display = \"block\";\n    resultsEl.classList.remove(\"jbsl-active\");\n    var nativeForm = document.querySelector(\".bfl\");\n    if (nativeForm) { nativeForm.style.display = \"none\"; }\n    showStep(1);\n    wizardCard.scrollIntoView({behavior: \"smooth\", block: \"start\"});\n  });\n\n  showStep(1);\n})();\n<\/script>\n<!--\/noptimize-->\n<\/div><\/div><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-sizing--default\"><div class=\"et_pb_text_inner\">\t\t<div class=\"bfl bfl--classic\" data-lang=\"es\" data-source=\"\" data-style=\"classic\">\n\t\t\t<div class=\"bfl-head\">\n\t\t\t\t<h2 class=\"bfl-title\">Empezar es F\u00e1cil.<\/h2>\n\t\t\t<\/div>\n\n\t\t\t<form class=\"bfl-form\" novalidate autocomplete=\"on\">\n\t\t\t\t\t\t<input type=\"text\" name=\"bfl_website\" class=\"bfl-hp\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\">\n\t\t<input type=\"hidden\" name=\"bfl_ts\" value=\"1789913829\">\n\t\t\n\t\t\t\t<div class=\"bfl-grid2\">\n\t\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-first\">Nombre<\/label>\n\t\t\t\t\t\t<input type=\"text\" id=\"bfl-first\" name=\"first_name\" placeholder=\"Nombre\" autocomplete=\"given-name\" required>\n\t\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-last\">Apellido<\/label>\n\t\t\t\t\t\t<input type=\"text\" id=\"bfl-last\" name=\"last_name\" placeholder=\"Apellido\" autocomplete=\"family-name\">\n\t\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bfl-grid2\">\n\t\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-phone-c\">N\u00famero de tel\u00e9fono<\/label>\n\t\t\t\t\t\t<input type=\"tel\" id=\"bfl-phone-c\" name=\"phone\" placeholder=\"N\u00famero de tel\u00e9fono\" autocomplete=\"tel\" inputmode=\"tel\" required>\n\t\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-zip\">C\u00f3digo postal<\/label>\n\t\t\t\t\t\t<input type=\"text\" id=\"bfl-zip\" name=\"zip\" placeholder=\"C\u00f3digo postal\" autocomplete=\"postal-code\" inputmode=\"numeric\" maxlength=\"12\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-email-c\">Correo electr\u00f3nico<\/label>\n\t\t\t\t\t<input type=\"email\" id=\"bfl-email-c\" name=\"email\" placeholder=\"Correo electr\u00f3nico\" autocomplete=\"email\" inputmode=\"email\" required>\n\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-case\">- Tipo de caso -<\/label>\n\t\t\t\t\t<select id=\"bfl-case\" name=\"case_type\" required>\n\t\t\t\t\t\t<option value=\"\">- Tipo de caso -<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"debt\">Alivio de Deudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"home\">Salvar Mi Casa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"business\">Deudas de Negocio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"auto\">Accidente de Auto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-message-c\">Cu\u00e9ntenos qu\u00e9 pas\u00f3<\/label>\n\t\t\t\t\t<textarea id=\"bfl-message-c\" name=\"message\" rows=\"4\" placeholder=\"Cu\u00e9ntenos qu\u00e9 pas\u00f3\"><\/textarea>\n\t\t\t\t<\/div>\n\n\t\t\t\t<p class=\"bfl-consent\">Al enviar este formulario, acepta que le contactemos por llamada, mensaje de texto o correo electr\u00f3nico sobre su consulta. Pueden aplicarse tarifas de mensajes y datos. Responda STOP para cancelar. Su consentimiento no es una condici\u00f3n para contratarnos.<\/p>\n\n\t\t\t\t<button type=\"submit\" class=\"bfl-btn bfl-btn-submit bfl-btn-block\">Vea Si Califica<\/button>\n\n\t\t\t\t<p class=\"bfl-trust\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"4\" y=\"11\" width=\"16\" height=\"10\" rx=\"2\"\/><path d=\"M8 11V7a4 4 0 0 1 8 0v4\"\/><\/svg> Confidencial. Sin compromiso. Normalmente respondemos el mismo d\u00eda h\u00e1bil.<\/p>\n\t\t\t\t<p class=\"bfl-disclaimer\">Los resultados pueden variar seg\u00fan sus hechos y circunstancias legales particulares.<\/p>\n\n\t\t\t\t\t\t<div class=\"bfl-success\" hidden>\n\t\t\t<div class=\"bfl-success-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg><\/div>\n\t\t\t<h3 class=\"bfl-success-title\"><\/h3>\n\t\t\t<p class=\"bfl-success-body\">Recibimos su informaci\u00f3n y nos comunicaremos pronto.<\/p>\n\t\t\t<p class=\"bfl-success-call\">\u00bfNecesita ayuda ahora mismo?<\/p>\n\t\t\t<a class=\"bfl-btn bfl-btn-call\" href=\"tel:4075054190\">\n\t\t\t\t<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 16.9v3a2 2 0 0 1-2.2 2 19.8 19.8 0 0 1-8.6-3.1 19.5 19.5 0 0 1-6-6A19.8 19.8 0 0 1 2.1 4.2 2 2 0 0 1 4.1 2h3a2 2 0 0 1 2 1.7c.1.9.3 1.9.7 2.8a2 2 0 0 1-.5 2.1L8 9.9a16 16 0 0 0 6 6l1.3-1.3a2 2 0 0 1 2.1-.5c.9.4 1.9.6 2.8.7a2 2 0 0 1 1.8 2.1z\"\/><\/svg>\t\t\t\tLlame al 407-505-4190\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\n<\/div><\/div><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-sizing--default\"><div class=\"et_pb_text_inner\"><p style=\"text-align:center;font-size:14px;\">\u00bfQuiere entender el proceso completo? Lea nuestra <a href=\"https:\/\/juanburgoslaw.com\/es\/prestamos-estudiantiles-bancarrota\/\">gu\u00eda sobre la condonaci\u00f3n de pr\u00e9stamos estudiantiles por bancarrota<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section pac-dtocm-exclude preset--group--divi-section--divi-sizing--default preset--group--divi-section--divi-sizing--hsj9uxo--default\"><div class=\"et_pb_row_2 et_pb_row et_flex_row preset--group--divi-row--divi-sizing--h1k452m--default\"><div class=\"et_pb_column_2 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><a class=\"et_pb_icon_0 et_pb_icon et_clickable et_pb_module et_block_module preset--group--divi-icon--divi-sizing--default\" href=\"https:\/\/juanburgoslaw.com\/es\/que-es-bancarrota-capitulo-7\/\"><span class=\"et_pb_icon_wrap\"><span class=\"et-pb-icon\">\uf3ed<\/span><\/span><\/a><div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_clickable et_pb_module et_block_module preset--group--divi-text--divi-sizing--default\"><div class=\"et_pb_text_inner\"><h3>Cap\u00edtulo 7<\/h3>\n<\/div><\/div><\/div><div class=\"et_pb_column_3 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><a class=\"et_pb_icon_1 et_pb_icon et_clickable et_pb_module et_flex_module preset--group--divi-icon--divi-sizing--default\" href=\"https:\/\/juanburgoslaw.com\/es\/que-es-la-bancarrota-capitulo-13\/\"><span class=\"et_pb_icon_wrap\"><span class=\"et-pb-icon\">\uf274<\/span><\/span><\/a><div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-sizing--default\"><div class=\"et_pb_text_inner\"><h3 style=\"text-align: center;\">Cap\u00edtulo 13<\/h3>\n<\/div><\/div><\/div><div class=\"et_pb_column_4 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><a class=\"et_pb_icon_2 et_pb_icon et_clickable et_pb_module et_flex_module preset--group--divi-icon--divi-sizing--default\" href=\"https:\/\/juanburgoslaw.com\/es\/bancarrota-empresarial\/\"><span class=\"et_pb_icon_wrap\"><span class=\"et-pb-icon\">\uf54e<\/span><\/span><\/a><div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_clickable et_pb_module et_block_module preset--group--divi-text--divi-sizing--default\"><div class=\"et_pb_text_inner\"><h3 style=\"text-align: center;\">Subcap\u00edtulo V<\/h3>\n<\/div><\/div><\/div><div class=\"et_pb_column_5 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><a class=\"et_pb_icon_3 et_pb_icon et_clickable et_pb_module et_block_module preset--group--divi-icon--divi-sizing--default\" href=\"https:\/\/juanburgoslaw.com\/es\/lesiones-personales\/\"><span class=\"et_pb_icon_wrap\"><span class=\"et-pb-icon\">\uf5e1<\/span><\/span><\/a><div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-sizing--default\"><div class=\"et_pb_text_inner\"><h3>Accidentes<\/h3>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-16134","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/juanburgoslaw.com\/es\/wp-json\/wp\/v2\/pages\/16134","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/juanburgoslaw.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/juanburgoslaw.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/es\/wp-json\/wp\/v2\/comments?post=16134"}],"version-history":[{"count":3,"href":"https:\/\/juanburgoslaw.com\/es\/wp-json\/wp\/v2\/pages\/16134\/revisions"}],"predecessor-version":[{"id":16139,"href":"https:\/\/juanburgoslaw.com\/es\/wp-json\/wp\/v2\/pages\/16134\/revisions\/16139"}],"wp:attachment":[{"href":"https:\/\/juanburgoslaw.com\/es\/wp-json\/wp\/v2\/media?parent=16134"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}