<prompt> Human: Hello Reddit, Ive spent a good portion of my time lurking here trying to look for solutions for my own problem, but I cant seem to find the RIGHT answer. Im torn between what to decide based on my unique situation pretty fucked up too, so I want to hear from you guys. Ill do my best to get straight to the point because of the detail involved:- 24 years old - 25k annual salary - Rent 535 room-mating- Phone bill 110 a month- No degreeCollege exp.- In debt 35,000 read below-Father used my name to take a 15,000 loan to help pay for mortgage for a house we ended up shortsaling. Now hes unable to pay for it after he left the family when he had a kid with someone in another country. -Used 2 of my VISA credit cards that I hid away and maxed them out 8,000 total Opened up 2 more credit accounts under my name, and again maxing it out 2000 total.I was young and obliviously, at 19 I had a credit score of 780 and he said he would pay me back if I opened these credit lines when he needed money. Stupid me.Then hes basically unable to pay for his BS because of responsibilities. smh.- Owe 8000 left to pay off financed car with 137,500 Miles 2004 Infiniti G35 that I purchased at 20k. Nothing wrong with it but I dont mind forfeiting it if it means saving 371 a month.-Purchased old beater to keep mileage down on G35.So, anyway. My goals I wanted to aim for now that Im more wise and know more shit to straighten my life is:- Go back to school, get my bachelors in biology with as little debt as possible while working full time to pay for my rent my family have all moved away from the country, meaning going through community college- I do photography as my passion on the side, and for occasionally. Possibly become a big name in the industry in the future.My family has all recommended me to file for Chapter 7 Bankruptcycost of 1300 to clear my debt and start fresh BUT this means I wont have credit for more than 5 years. I havent used a credit card in 4 years so.. lol. Cash is king. I planned on joining the Military for a secured job but filing for bankruptcy will effect my chances of getting ranked up for higher pay?What would you guys do.. Ive seen to have lost my way. Thank you guys in advance. If there is a better solutionpath to go with, please anything will help.  <response>: Do it. 