<prompt> Human: So Im considering bankruptcy due to my unsavory gambling habits. Ever since I started therapy for it, Ive been clean ever since 2 months. Problem is Im left with a crushing debt of about 50k. 15-20 interest please spare your lectures; Ive already paid an extremely high emotional price for my stupidityRegardless, my information is I guess unique. Im 25yrs old with working salary of 80kyr. 40k? take home after taxes ; 1.1k of strudent loans per month ; and rent being 1.3k per month ive already signed for a 12 month renewal in my error to move out before then Im calculating that itll take me about 2 years to formally pay off my debt if I dont spend money on any frivolities. My car is under my dads name and I dont really have any assets to account for. I dont plan to make any large financial decisions buy a homecaretc for a while and I am considering the idea of bankruptcy. Would I be able to make the cut for it? I understand the ramifications will last years on my credit report. I want to build my credit score again  <response>: Two years isnt that long... 