Student for the last five years with no income getting ready to file chp 7

[Spartan]

Sf is correct. Filing is the last option. It is the get out of jail card that can only be used once every so many years. You have other options. You are not in pressing need to file. You are basically judgement proof at this point.

[natboogie]

Thank you Sf, Spartan, and others for your valuable opinions. I will update you on my decision and how everything works out.