What a joke just like a person who wants no accountability for ones actions. To be fair the original poster wanted loan forgiveness, he did not ask for opinion on declaring bankruptcy. I believe Red and I both worked our way thru college and flight training paying as we went, if I remember correctly. It certainly took longer in my case but doable just not the instant gratification a certain segment thinks they deserve. BTW I do not think companies should be able to spin the bankruptcy roulette wheel either.