I’m seeing 1976 as the date student loans became non-dischargeable [0] via amendments to the Higher Education Act of 1965. I think I know why you’re confused though because the Wikipedia entry on the Higher Education Act doesn’t include a section on the ‘76 amendments and instead skips straight to the ‘92 amendments (which would have been HW, not Clinton). Still, it looks like the parent poster is right that Clinton did make some questionable additions to the Act during his tenure in 1998 [1].

[0] https://www.tateesq.com/learn/student-loan-bankruptcy-law-hi....

[1] https://en.m.wikipedia.org/wiki/Higher_Education_Act_of_1965