<prompt> Human: I am currently 28 years old, and spent the last 4 years in a doctorate program. In my last year, after taking out 200,000 in student loan debt, I had to withdraw from the program due to medical and personal problems. The fact that I have spent the last 4 years in this program means I have no job history and no degree, meaning Im pretty much unemployable outside of minimum wage jobs. I am currently married, although we are strongly considering divorce. My wife has no income as she is also a student, and we do not see it being possible to pay back this debt. I understand that student loans are generally difficult to get rid of through bankruptcy, and Im honestly not even sure how to go about it. We have both had amazing credit in the past our scores are 750, always paid our bills on time, etc etc. Im just honestly at a loss of what to do - even the lowest payment on these loans would mean we couldnt even pay rent. Any advice on how to tackle this problem would be greatly appreciated.Assistant: People do get loans dismissed in bankruptcy but its almost unheard of, and not something you can count on.Your best bet is probably ten years of Public Service Loan Forgiveness on an income-based repayment plan.Human: I have considered the Public Service Loan Forgiveness, however Im curious as to how that works. It says it only applies to qualifying loans, and as I believe graduate loans are from private companies, I dont know if I would qualify?  <response>: It applies to many types of federal loans. Private loans are not eligible, thats correct. 