I feel very overwhelmed and don't know where to start. I don't have credit card debt but I have student loans, medical bills, repo car and I live from paycheck to paycheck and have no savings. I feel pretty tired to be honest. I don't know what to do! Would it help to file bankruptcy? My student loans have already offset my tax returns and that is the only time of the year I had any extra money but now that is gone too. Would a bankruptcy do anything about the tax offset? I'm in TN and I know laws are different for different states. Any real help is appreciated!