Experts here so I pose this question

Almost $50,000 in SL's

$10-15,000 in Medical Bills

$8,000 in CC/personal loan

0 assets

Job market in my area for my degree is horrible(teaching).

New son, paying Child Support.

30 years old and almost disabled (back and knees)

Cannot pass physical for any job that requires it(see above).

On unemployment for last job (manager at a retail store, they filed BR)

Any chance of getting SL's and everything else out in bankruptcy?

There may be a chance in your situation to get your SL's forgiven, but it's not likely. You can apply for unemployment deferment, which is good for either 36 or 39 months. I can't remember which one. So that would give you 3 years without having to make a payment. As for teaching, I would look to move to an area that is in need of teachers. There are many states that are depserate for teachers. Plus I know here in California that if you teach in a low income school district, the government will forgive a portion of your student loans. However your situation involves a child, so I don't know if moving is an option.

Good luck to you.

Unemployment deferment has a 36 month max, GRANTED IN 6-MONTH INCREMENTS. The borrower has to be ABLE TO WORK and SEEKING EMPLOYMENT to qualify.

OP, I'd recommend the Economic Hardship Deferment for your situation. This deferment can be given to people with little or no income in 12 month increments, up to 36 months max. Contact your federal student loan holder.

As far as getting rid of the loans altogether, do you have a doctor that can certify that you're PERMANENTLY unable to work in ANY CAPACITY? If so you don't need to file BK to get the loan discharged- contact your loan holder for the disability discharge application.

Being "almost" disabled won't get you very far in BK court for your student loans, especially if you're only 30 years old. If you can't prove you made a "good-faith effort" to repay the loans you'd be wasting your time. To give you an idea, "good-faith effort" includes looking for employment outside the state you live in, and outside your field of expertise.