To file bankruptcy you need a lawyer. Pro se cases go VERY badly. Student loans are almost never dischargeable in bankruptcy. However, unpaid tuition (not a loan) may be discharged.
More information would be needed to answer this question. Generally speaking, educational loans and debts are not dischargeable. A bankruptcy will delay their collections, but it will resume after the stay. A Chapter 13 can force a payment plan, but hopefully you are not to that stage. Look into deferment and forbearance options as well.
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