If you file bankruptcy, you will in all likelihood be able to discharge the medical bills but discharging the student loans is a much tougher thing to accomplish. To discharge student loans, you have to file an Adversary Proceeding during your bankruptcy case and attempt to persuade the bankruptcy court that repayment of the student loans causes an undue hardship on you or your dependents to get the student loans discharged, and this is a very difficult standard to meet. I read one case where a man who was paralyzed from the waist down attempted to use his impairment to show that repaying the student loans caused him an undue hardship, and the court said that since he could still work a desk job, the hardship was not great enough and did not let him discharge the student loans.
So, if you have any ability to work at all, it is tough to get rid of student loans. Successful cases I have seen of discharging student loans have been elderly people whose only income is social security and who have no ability to ever return to the workforce.
You should discuss with your bankruptcy attorney whether your circumstances justify the risk of filing an Adversary Proceeding to discharge student loans. A local attorney will also be familiar with your court's disposition regarding student loans and can give you helpful facts to decide if it is worth your spending all the extra attorneys fees to file an Adversary Proceeding. It can really ruin your day to spend $5,000 extra in attorneys fees to file an Ad Pro and then lose and still have to pay back the student loans!
However, at the very least bankruptcy can get the medical creditors off your back, which may be a big help. Then, perhaps you could pursue non-bankruptcy forbearance, deferment, or forgiveness programs with the student loan lender(s).
I hope this helps and a positive feedback is always appreciated if this was useful to you.
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