Will bk13 affect possible student loans/grants for son?

Bankruptcy doesn't mean that all doors to future credit will be forever closed to you. This might stay in your credit as a negative patch for 10 years, but it is possible that you can do the repair work within a couple of years and improve your credit standing. You need to take the proper steps and manage your credit responsibly.

After you have filed for bankruptcy, always make sure to set up a budget so that you can repay the remaining debts and the building of assets. Keep an existing credit card by reaffirming the debt. Try for a secured card or vehicle loan and be regular in the payments. That's the fastest way to rebuild your credit after BK. When you are doing everything positive, don't take on new debts unless you are 100 percent sure of repaying it as agreed.

I probably didn't make question clear when I was asking it... My question is, can my filing chapter 13 affect my son (a soon to be junior in HS) getting student loans/grants for college in the next few years?

You should probably contact a financial advisor at a college institution. I think the only way a guaranteed student loan could be turned down is if you already have them in default.

I have a BK from 8 years ago.. My son was able to get the govenors waiver for classes and a stafford loan he has not had to try for any private loans yet, but as far as i know the goverment loans and grants are based on need. And actually my bad credit was a help to him he quailified for more money from the Stafford loan then if I had had good credit.. But I would do as Steeler states and check around with a advisor. I did