<prompt> Human: My fiancée made some pretty poor financial decisions when she was in her early 20s and now she has gotten financial advice to file for bankruptcy instead of facing the music. Now, as the other half of this relationship, Im worried about our financial future. What will this mean for meus and how should I navigate things in the next few years?  <response>: Where is she getting this advice from? Can she really not pay or does she just not want to pay?Also can all of her debt actually be wiped out? If shes in 100k of debt and 80k is student loans which is not touched by bankruptcy shes literally going bankrupt for 20k, which would not be worth it at all.Like others have said, has she learned her lesson? Or does she just view this as a way to bail and not be responsible? 