Overwhelmed, please help!

Stef, you need to sit with a counselor and find your options. Based on the limited info given by you, it won't be right to make a point. Filing for bankruptcy is a serious decision. You should have everything cleared and see that there is no chance of improvement from the present state. You will have to take credit counseling and qualify in the means test before you are allowed to file for bankruptcy.

Have you gone into rehabilitation program with the student loans? Or if you have did you default on that? There may be a way to reconsolidate those through Direct Loans. Laws do vary from state to state, if you don't own any property, like a house, and you say your car is repoed, you may qualify for complete chpt. 7 and not have to do a repayment plan with the bankruptcy. Contact an attorney in your area for a free consultation and review your options with him/her to see if this would best suit your situation.However, you won't be able to get rid of your federal student loans those will still have to be repaid if you qualify for a chpt. 7. But in a repayment plan they will stop any garnishments and be paid through that plan. Contact a bankruptcy attorney.

I don't think you can discharge student loans in bankruptcy.

It is a federal loan so no they can't be discharged, but if it is a chpt. 13/repayment plan they can be included with that and paid on during the repayment period. And once the chpt. 13 is successfully discharged you would still owe the student loan.

I have only known of 1 person to get student loans discharged through a chpt. 7 and that is only because they refinanced them privately before filing a chpt. 7 five years later, so the federal government received their payment in full.