Discharging graduate school private loan debt

I have a stress-related autoimmune disease (Lupus) that prevents me from profitably participating in my career field. The Lupus mainly affects my joints, limiting any repetitive movements (i.e. typing, writing, talking, sitting, standing). I can work part-time but the arthritis is unpredictable and worsened by stress. Therefore, I have been working as an independent contractor but I have only made $3500 all year. I have over $70,000 in Private graduate school student loans. I was not diagnosed with Lupus until 2 years after graduation. The Private lender has defaulted my loan. There is not a judgment against me yet. I also have $22,000 in unsecured credit card debt. Some of my credit card companies have agreed to settle for 25% of the balance. I have not paid anyone yet. The remaining credit cards that have not agreed to settle has a total debt of $8600. Originally, I thought settling would be better than bankruptcy because student loans are not generally dischargable in bankruptcy and the credit card debt is only $22,000. Is there any chance that the Private student loan debt would be discharged in bankruptcy? - Is this your question? Add additional information