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I am an on line law student residing in FL but will sit for the CA Bar in Feb 2015 . My former residence is in foreclosure proceedings and is upside down for approximately 70K to 90K , as we owe $ 120k and the home's value is $ 56k . In addition , I lost my 16 yrs employment back in 2010 , cashed out my 401k to settle as much credit card debt as I could . I managed to settle with all creditors but one , who was not willing to work with me and who placed a judgment against me for 18k . I attempted to find employment but it took me a year and a half . I finally settled for a job making less than half the hourly rate as my prior employment . Should I drop out of law school now ? Should I file bankruptcy or deal with the foreclosure and most likely a deficiency judgment thereafter ?