<prompt> Human: TL:DR- 130k student loan debt, no hope for better job, kid on the way, going to be single income family, is bankruptcy a viable option?I went to a private college, I thought it would be great on my resume and open a lot of doors for me. Put I was a stupid 18 year old who didnt know any better. I got a degree in something I love, art, which I know many of you will troll on and on about. But the fact is I was always told to get a degree in something you love, so I followed that advice. The school I went to was a liberal arts college, so I did not just study art, I also minored in sociology.Those four years left me with an estimated 100k in students loan debt from both federal and private loans. After college I decided to put personal interest before professional and moved back home western Maryland so that my girlfriend of 5 years at the time and I could get married. We both had jobs and both bought cars. We also took out a credit card to pay for a rather cheap wedding. I decided to go back to school for a little while and take some graphic design courses. I had planned to pay for it out of pocket, but once we moved into our own place, that became impossible.I was employed at a warehouse making 30,000 a year 14hour with solid 40 hour weeks. That warehouse closed which put me on unemployment for a month until I found another warehouse job that pays exactly the same. Having money to pay for a roof over my head, food on the table, and gas in my car is not an issue.Keeping personal priorities in mind my wife and I are expecting our first child in a few months. This has unfortunately put her out of work until after maternity leave. We have considered cutting back to one car so that she can stay home with our son this saves money on child care and also reduces insurance, gas, and removes a car payment from out bills.Back to the issue at hand. My students loans Have been racking up interest and now sit at comfy 130k. I all but exhausted my forbearance. Add the 11k credit card and 10k left on my car and 15k on hers, our debit to income ratio is shot.I have been job hunting for something better ever sense I left school, but there just isnt anything that pays more 35k in my area for someone my age with no experience besides warehouse.So with a mountain of debt, a family to take care of, and no better job opportunities in site I see no hope of ever tackling my student loans. I know bankruptcy is near impossible, but is it something I should look into and if so, would I really have a chance of bringing my owed debt down to a manageable amount?Edit: thank you to those who offered sound advice. I know I have made poor decisions in the past, Ive come to terms with that. All I was seeking was a different way of thinking about how to get out of this hole. Ive been stuck in my own head about my financial state; its fucked so why bother. But now I am more focused. As someone mentioned in a comment I am ready to bare this on my shoulders, all of these issues, both personal and financial are mine to deal with. Also please do not think that I am living in poverty. Im not my wife and I are comfortable but things are going to get tight and Im exploring all my options to make things better for our family.Assistant: It seems like youve followed a pattern of putting what you want first and disregarded the financial impact. Is that pattern going to change starting today or are you going to continue? There will always be someone saying things like major in what you love and the new versions will be a baby needs a SAHM and you should really have your 2nd kid before the first gets too oldWhy is your wife out of work if she hasnt given birth yet? Thats months of income blown for no reason. Do you have a budget? I dont understand how youre expecting to be able to switch to a single income. You need to start considering the financial implications of these decisions. You may have to have you both working jobs at different shifts in order to get by- She works in the evening, you work in the daytime, and one of you works on the weekend.Human: Her pregnancy has become high risk.  <response>: Let me make something very clear. Under no circumstances should considerations of debt or things people told you on reddit influence your wife taking appropriate care of herself during pregnancy. She may not be able to be a SAHM, but if she fucks herself up medicallyphysically by trying to do too much while in a high risk pregnancy or by trying to rush her recovery, it wont help anything. An ounce of prevention is worth a pound of cure. 