Obviously you're ready to go back to school trying to make a inequity in your life.
Over the years you have probably racked up a good amount of debt. I am sure that you are wondering whether or not filing for bankruptcy would be a good choice for you at this point.
I've had clients come to me in tears because they desperately need to file for bankruptcy but they are afraid their dreams of getting a college degree are going to go down the tubes if they file. Contrary to beloved myth, you can get a learner loan after you file for bankruptcy.
If you get a chance, Google the "Unified learner Loan policy tasteless by hand of April 2005, episode 5, paragraph 5.6" It states that the Bankruptcy Reform Act of 1994 prevents a school or lender from denying a federal loan or grant to an applicant solely because he or she has filed a bankruptcy petition.