<prompt> Human: So Im 21, still in college, and I have the worst credit score. I was stupid and on top of the student loans, I was in a really tight spot last year and took out two credit cards. Now my credit score is absolute garbage and Im sitting around a 430. My car just stopped working and I NEED a new one. Last one I bought was 900 and from a person on fb which is probably why it broke down and I dont want to get trapped there again. Im thinking of going to a used dealership, putting 1000 down on a 5k car and just making monthly payments. Because my credit is so bad, my boyfriends dad suggested I file for bankruptcy to get rid of the debt. Is this a good idea? What would happen to my student loans theyre gov subsidized and unsubsidized loans ? Im still in school so could they potentially take those away? Im doing research on going bankrupt and theres almost nothing on if youre young and a student. Any advice would be greatly appreciated. I really dont know how any of this works.Edit: so Im not as concerned about the student loans being there or going away as much as I am about these credit cards. Cc wise Im about 1500 in, and in student loans Im at 25 kThank you for the help, those who answered. Im gonna do some more digging around for a place that doesnt credit check.My biggest thing is I only have 1000 to spend on a car. So finding a used private seller that isnt trying to swindle me has been seriously difficult. I was skeptical of the suggestion, thanks for the help.  <response>: Student loans arent discharged in bankruptcy so that has no affect on it. There is very little chance that you have anywhere near the amount of debt where bankruptcy is feasible. It doesnt make any sense really for someone who doesnt have at least in the mid 10,000s. 