<prompt> Human: Good afternoon, PF. I apologize in advanced if I am in the wrong sub, please redirect me if need be. Im 21F living with my SO of 3 years. We make a combined income of 40k neither one of us have degrees yet, with a monthly take home of about 2200. I bring home about 1200mo. My expenses are listed below:400: rent my half50: electric60: internet75: phone bill300: CC 300 limit that I max every month, but also pay in fullGroceriessanitary products: 150Total 1185. As you can see, theres not much wiggle room, but we get by fine. My SO doesnt have a credit card so she has some extra per month, but not much.Debts:SL1 fed: 2,123 defermentSL2 fed: 3,560 defermentSL3 private: 11, 170 my dad grudgingly pays this. private university: 13k in collectionsTotal 29,918Story: I foolishly attended a private 45,000year university straight out of high school. I got some partial scholarships and was approved for a 10,000 loan to cover my first semester. However, my second semester loan request wasnt approved. I attended school for the second semester anyway, thinking that my dad would find the money somewhere 17 yo me. That didnt happen. Now I owe the school 13k for transcripts that I dont care to have. I tried going to my local community college to enroll, thinking that I could just start over as a freshmen using my high school transcripts, but they informed me that, no, since I had attended university, only those transcripts can be used needed to verify the 2.0 gpa needed to get into the school. It will take me some time to pay off the 13k to have my transcripts released. I have been shopping around for jobs, but without a degree I havent been able to find anything higher than 12hr which is my current rate of pay. My question is this: Should I file for bankruptcy to discharge the 13k? Im aware that my SLs cannot be discharged. I know it will remain on my credit for 10 years, but if I get the debt discharged Ill be able to go to school, get a higher paying job and work to repair my credit when Im older. I know that I could eventually pay off the 13k, but I dont want to wait until Im 23 or 24 to go back to school. Is this a good idea? If not, what is your advice?Thanks so much!Also, I should add that my family is unwilling to pay the debtloan me money and I am unwilling to ask my SO to help me pay this debt, as she has her own bills to deal with.  <response>: 300: CC 300 limit that I max every month, but also pay in fullWhat are you spending 300 on, every month? What kind of expenses are you charging on your credit card every month? How many hours are you working every month? Could there be a job-on-the-side with which you could earn some more income, so that you can pay down the debt? 