<prompt> Human: i have no way of paying my student debt back as it was my mother who blew that money. what would happen if i pay off my student debt with a personal loan and then declared bankruptcy??edit: i am NOT saying Id declare bankruptcy right away, Im just asking what if a few years from now i lose my job or whatever and theres no way i could pay it all back?  <response>: Bankruptcy fraud.The BK trustee has the power to undue any financial maneuvering you do.Now, your creditors are coming back for you, plus youre facing Federal BK fraud charges. 