Is it possible to take out another loan and use that to pay off the student loan, then declare bankruptcy for that new loan? I’m sure there must be a rule against this, I can’t be the first to think of it.

People…don’t just uninstall the apps when they do this. Go leave a 1-star review in whichever app store you use, and say it’s because of these nagging notifications. 1-star reviews are the weapon with which people can punish poorly behaving devs.