Why would you want to delay any further? You have probably saved enough money to hire an experienced bankruptcy attorney to fully represent you. Further delay is just going to prolong your distress & continue to wreck your credit!
BTW, your student loans are not secured debt. They are unsecured debt that is not eligible to be discharged.
Hope this perspective helps!
It sounds like you have saved enough to cover the cost and fees to file for a chapter 7 Bankruptcy. I suggest that you consult several bankruptcy attorneys in your area to find the one best suited to represent you. Many bankruptcy attorneys offer free initial consultations. If you need assistance finding a bankruptcy attorney in your area, I suggest you contact the New York State Bar Association Lawyer Referral Service at (800) 342-3661.