Not much sympathy here either.

$130K is a lot of change for flight training...I sure as hell hope you got a degree too, and even then it's too much unless it's a Brand Name school and a good degree.

Two issues here...

1) Your aviation career never got started if you got <1500 hours in ten years.

2) BK is probably not going to work for student loans. That's between you, the bank, and the government...the school normally has nothing to do with it. If the government let broke graduates default on student loans, all the lazy unethical turds would BK the day they graduated and of course no bank would ever issue another student loan.

You might have a faint, remote chance of legal action against the school if you can a) somehow prove fraud and, b) the statute of limitations has not run out. Need a lawyer for that of course, and he's probably not going to take this one on contingency...

You're right about one thing...plenty of other folks have student debt. It's just harder to pay off in aviation. I'd probably go get a real job, whatever pays best, live cheap and pay off your debt. You can probably take care of that in five years of ramen. Then decide what to do with the rest of your life...who knows, maybe even aviation.