A First Officer that I work with just recently filed bankruptcy. He is married and has two twins still under a year old. At first, his bankruptcy attorney tried to tell him that he could not get rid of his student loans however, his loan was not a federally backed student loan. He did his own research and showed his attorney that his loan from Key Bank was just a personal loan for flight training. A lot of the loans Key Bank has given in the past are this way. Especially if you went to one of the pilot factories like Delta Academy. Good Luck.