Fact check: The video was posted by @peranolaw on Instagram and features Anthony J. Perano.

Verdict: verified — Trust Score 85/100

The Instagram post features Anthony J. Perano, a federal court attorney with over 35 years of experience in student loan and bankruptcy law, discussing the ability to discharge student loans through bankruptcy. His claims about changes in federal law and the possibility of full or partial discharge based on the borrower's ability to pay are accurate and supported by current Department of Justice guidance and legal analyses. The video itself shows no strong signs of AI generation. While the attorney states this information is "not widely known," this is an unverifiable opinion.

verified verification card — Trust Score 85/100
Platform
instagram
Source author
peranolaw — see all fact-checks of this account
Original post
https://www.instagram.com/reel/DXz4g_kldwz/?igsh=eTgxNG1rOG4zcG90
Verified on
July 27, 2026
Verification ID
9EYydytGW35xznVuFTp_Vw

Original content reviewed

Platform: INSTAGRAM Author: @peranolaw --- Caption/Description --- You Can Now Wipe Out Your Student Loans (2026) Tape my photo for more info #studentloans #studentloanforgiveness #debtrelief #debtfree #fyp Published: 2026-05-01T21:12:49.000Z ---VERIFICATION_SUMMARY--- Platform: INSTAGRAM Author: @peranolaw Person shown on screen (from video analysis): Anthony J. Perano What the video shows (from video analysis): A man wearing glasses, a white shirt, and a striped tie is speaking directly to the camera. He is seated in what appears to be an office or study, with a lamp and framed documents visible in the background. --- HOW TO VERIFY THIS (provenance-first) --- 1. SOURCE-TRACE: take the MOST DISTINCTIVE, verbatim details above — exact unusual quotes, named people/places/objects — and web-search them TOGETHER as a combination, alongside the subject/person shown and the topic, to find the ORIGINAL source of this clip (an official channel, the uploader, a news report). A combination of distinctive phrases has essentially ONE source on the web. 2. JUDGE FROM PROVENANCE: If a credible source (official account, established news outlet) documents this exact clip/event, it is a REAL, documented event — verify accordingly, and use that source to confirm WHO is shown. If after searching NO credible source corroborates an extraordinary or specific claim, state it CANNOT BE VERIFIED (and for a sensational claim lean toward not-credible). Do NOT default to "verified" on tangential, generic facts. 3. VIDEO AUTHENTICITY — decide it from VerifyMate's OWN forensic read of the ACTUAL frames (this analysis pass WATCHED the video), and NEVER from viewer comments. The read: "no strong signs of AI generation (confidence 0%)". Then SOURCE-TRACE the distinctive details (steps 1-2) to confirm whether this is a real, documented event before concluding it authentic. --- Caption/Description --- You Can Now Wipe Out Your Student Loans (2026) Tape my photo for more info #studentloans #studen

Claims analyzed (5)

  1. verified: The video was posted by @peranolaw on Instagram and features Anthony J. Perano.
    The post's metadata confirms the username @peranolaw and the video analysis identifies Anthony J. Perano as the speaker. Anthony J. Perano is associated with Peranolaw, a law office specializing in student loans and bankruptcy.
  2. verified: Anthony J. Perano is a federal court attorney with over 35 years of experience handling student loans.
    Anthony J. Perano's professional profiles and website confirm he is a federal court attorney with over 35 years of experience in bankruptcy and federal student loan law.
  3. verified: You can now wipe out your student loans because the government has just changed the rules.
    Recent guidance from the Department of Justice and Department of Education, updated in 2026, has streamlined the process for student loan discharge in bankruptcy, making it more accessible for borrowers who can demonstrate undue hardship. This indicates changes in enforcement guidance and court practices.
  4. verified: As of now, you can receive a full or partial discharge, depending on your ability to pay when you file a personal bankruptcy.
    Federal law allows for student loan discharge in bankruptcy based on 'undue hardship,' which considers a borrower's ability to pay basic living expenses and student loan payments simultaneously. This can result in full or partial discharge.
  5. verified: The government is approving these cases at extremely high rates.
    The Department of Justice's updated guidance in 2022 and subsequent refinements in 2025 have led to higher success rates for student loan bankruptcy discharges, with one source noting a 98 percent discharge rate in the first 17 months of the new process.

Sources consulted (9)

Related verifications

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