In 2005 Congress passed a law that protected private unsecured student loans against bankruptcy. This is an unfair practice and allows financial institutions federal protection on a private debt. This would be likened to not being able to discharge a credit card in bankruptcy because the credit card was protected by federal law. It is not fair to the consumer and negates the true reason for bankruptcy to begin with. A bill has been introduced to bring fairness once again to the bankruptcy law. H.R. 2028 is that bill.