<prompt> Human: I have 16,000 in Student loans Two more years to go and 20,000 in other debt. My Credit score is 546Transunion. My Girlfriend works and we both attend school Full time, so we survive, barely. Im wondering if Bankruptcy for me would be the best option or I had some other options. Im working on straightening out my life and dont want to screw it up. Any advice would be well appreciated. Most of the Debt is credit cards, and I have one car repo. Thank you in advance.  <response>: Im probably not the best person to ask for advice, but I believe at the least, student loans cannot usually be discharged in bankruptcy. 