<prompt> Human: The crux of student loans is that they are almost never dischargeable in bankruptcy. So my mind has often wondered to how I could switch student loan debt for other debt CC, HELOC, 2nd mortgage, 401K loan. That way, if anything catastrophic happens and we have to declare bankruptcy, the student loans could be discharged. Recently I had an idea and I wanted to get rpersonalfinance s take on it. We have about 85K in student loans. We also have about 30k in credit card available credit we have almost 0 balance on them. Im pretty sure my wife could get a couple cards and add another 10K to that in her nameall our cards are in my name and shes an authorizes user. We have a mortgage and roughly 20k of equity in our home. I was thinking that we could live off of our credit cards for 12-15 months, using those to pay for anything that we can. Then wed just pay the minimum payment. And het a HELOC for 5-20K. Meanwhile, we use everything else to payoff our monthly mortgage payment and our students loans. Essentially trading 35K of student loan debt for for roughly 40K of CC debt. When we get close to maxing out the CC 3 months out we stop paying the mortgage and divert that payment to student loans. After about 15 monthstotal, when the foreclosure process starts, we declare bankruptcy and start over. Wed lose our house and have to deal with all the things that come with bankruptcy I know them well from my siblings experiences. But, wed knock down the student loans to under 40K in a little over a year. I hope that was clear. It doesnt seem ethical, really. But it seems doable with all the current rules and laws, right? Maybe Im missing the board big time. Let me know what you think.  <response>: You would be doing whats called a ghost bankruptcy... Everything paid on time.. And bam out of the blue bankruptcy. You would most likely be kicked out of bankruptcy and could actually be prohibited from ever filing for a finite period of time. Trustee could really lay the hammer down and have all your existing debt rendered non-dischargeable.You went to school, you bought a house. Pay your bills. 