One of the most common issues I have faced in the last 10 years of providing bankruptcy and other legal services to clients have been student loans. Bankruptcy does not discharge student loans except in extreme circumstances. So the question is then “Well what can I do about my student loans?” The good news is that there are a lot of options, most of which to not require the help of an attorney.
The first step in achieving personal financial independence is understanding the basics, and the basics start with your credit score. Specifically your FICO credit score.