I think at this point I'd rather go bankrupt than think about the amount of dishes that are piling up in the  sink. I know I'm going to have to do both eventually but if I could avoid the dishes I'd be really happy about it. About the bankruptcy, I'm so glad I finally made the decision to just do it. There's still some last-minute research that I want to do but I already have an appointment with a lawyer next week. Between going to school and not finding much work around here the expenses really added up. I feel smarter now than I was. I didn't even read the student loan applications. I guess I got a bit carried away and I forgot that those eventually have to be paid back somehow.  Anyways, I'm happy to have the education but now I'm really looking forward to being just as educated in my financial matters.  I have some pretty big plans which are going to require money to travel. Once I wipe out my debts I can finally start saving some money instead of spending it all on trying to keep up with all those ridiculous interest rate fees.