It appears you are judgment proof. Why file a BK? Even in your circumstances, it is extremely unlikely a court will grant a discharge of your student loans. Chapter 7 fees are discharged in BK so no attorney, except one who does not expect to be paid, will offer payment plans in a Chapter 7.
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Public Counsel offers free assistance but you have to go through an intake process and they are backlogged. They may or may not deem your case worth of fighting for discharge of student loans which is very difficult to do but not impossible.
Go here: http://www.cacb.uscourts.gov/dont-have-attorney
Look at the links midway on the right side. They may be useful to you. Best of luck.
You need to consult with a BK attorney who specializes in student loans. Good luck.
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First, I assume these are all federal loans. Here is a link to information about discharge of federal student loans - this is an administrative process outside of bankruptcy. Perhaps you qualify and can get relief without filing for bankruptcy? See link for more information & application process: http://studentaid.ed.gov/repay-loans/forgiveness-cancellation/charts/disability-discharge
I am not YOUR lawyer. You should not rely on answers to questions as legal advice. For legal advice you should contact a law firm for a consultation. Tokarska Law Center 185 West F Street #100, San Diego, CA 92101 (619) 285-1992 www.sdbankrupt.com Tokarska Law Center is a Federal Debt Relief Agency representing individuals and businesses in filing for bankrutpcy protection under the U.S. Bankrutpcy Code.