<prompt> Human: Serious question. I have about 20,000 in loans from 99-02 when I attended college. Ive made some payments, but like many others, my job situations havent allowed me to make good money, good enough to make a dent in my loans at least.So, hypothetically could I just pay off my loans with a credit card, and then file for bankruptcy? Clearing up the debt?  <response>: Hypothetically, you can make an attempt.Realistically, no, because when you file for bankruptcy someone is going to notice that you did exactly this, and it is fraud. 