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It doesn't clear student loan debt, I have to have a level of hardship I don't have. I'm able to pay my debts but I'm left with little afterwards. It's a crummy catch 22 system overall and bankruptcy isn't a magical get out of debt want. It hampers you in the new red lining they call "Credit Score."
ooooooh, yeah....for studen loan debt i recommend just paying the absolute legal minimum to keep it from any sort of collections/default status (which, last i checked was like 50-100$/month?), then pretending the rest doesn't exist.
eventually, either a sane government comes into power and clears all actively paying debts for an easy voter-support win, or the USA collapses entirely into a MAGA-amerikka paradise and we probably have a 2nd civil war...either way not your problem