I'm in a doctorate program with 3 years left of school. I'm seriously considering filing Chapter 7 bk. I have about $26,000 in credit card debt and cannot keep up with the minimum payments, especially since they have doubled the last couple of months. If I file BK, will I have trouble obtaining student loans, either government funded or privately funded? My father, who has excellent credit said he would co-sign if that would help. Would that make any difference? I've been an absolute wreck about this...would appreciate any input.

cant you ask for defferment?
I remember when i am in school, I dont need to pay them.

If you BK, you will likely be unable to get ANY private loans; the federal loans will not be affected. I would bet that it would be extremely difficult for you to get private loans, even with a guarantor, should you file BK.

I did defer them, but I need student loans to pay for my tuition and to live on for the next 3 years. Although I have a part time job, it hardly pays for my gas money. TxQuiltGirl, I was worried that might be the case. Currently, I'm able to get by with just federal loans, but that's because I have a stipend that pays for half of my tuition the first year. However, the next 3 years will be all on my own. Thank you for your replies.