Hello I am a licensed attorney here to help you with your question, please review my response and do not hesitate to ask for clarification.
This is a complicated situation, if your girlfriend discharges to loans, her liability would be removed, and the lender can try to foreclose upon the property, you would have to at that point contact the lenders, and advise them you will keep on making the payments to avoid the foreclosure.
Also, any equity in the property at this point may be alf hers, and the Court may force her to sell her share or the entire property to cover her debts.
What you will want to do is hire a bankruptcy attorney to file a proof of claim for your interests in the properties and negotiate a settlement with the lenders regarding you taking the loans over.
Also, you may have to sue her directly in Civil Court to remove her name from the deed, so you can be the sole owner, as she has now removed herself only from the loans and not the deed