not to be negative, but you dug yourself in debt, you should pay it back. i think bankruptcy is badnews, and it damnwell should be. sounds to me she is able to pay it back, she just wants a clean slate so she can go back to school. which, bytheway, will dig her back into debt, probably more than $20k.

she dug it, she should pay it back. im not going to lie, between car and credit card, im around 30k deep. but im working to pay it off like it should be done. i would imagine within 7-10 years, shes going to want to buy things on credit, like a car, house, ect, and bankruptcy is going to ruin that.


i think she should reconsider, but thats my 2 cents, and my rant..