I am 26 and I have a 90k Key Alternative Loan from Key Bank. The loan is in default. Last year my W-2 was 24,000. I have been also paying for some high balances on my credit card. I would have had to take 125k out but I paid for the last half of my school with my own money via credit cards. I have been reading a lot of the forums and I see a lot referring to Key loans not being federally backed and eligible for bankruptcy. I have liquidated all of my assets. I don't have a penny to my name and a baby on the way. Does anyone know how to bankrupt these loans?