I am deciding whether or not I need to file bankruptcy. I currently have $89,000 in student loans and on top of that I have $20,000 in medical bills that I cannot pay for because I do not have health insurance. I have a job and I take home about 1440.00 monthly after taxes and I also have two dependents. I am really confused about what can and cannot be discharged. Is it just private loans or Federal ones?I am caring for a child that has a developmental disability. It is where most of my resources go. Would that help my case at all?