Hoping for some advice on handling my financial situation...

Currently my only source of income is soc sec due to my disability. I was a student studying in san diego for two years and acquired roughly 20k in student debt on top of my 10k in CC. I have tried setting up payment plans, but the burden is still to much. What options do I have... does my situation allow me to file bankruptcy and have my student loans discharged? Since my only source of income is SSI, could I just stop making the payments?

Any advice is appreciated.

If you’re looking for debt relief, you’re not alone. Hundreds of thousands of people seek some sort of relief every year. Be aware that, bankruptcy should be a last resort and will damage your credit for up to 10 years. Be sure to also investigate if consolidating debts is a better way to solve debt problems and protect your financial futures. As you have Student Loan debt and CC debt, you can try any debt consolidation option matching your financial health. Also you can try to settle your CC debt with the creditor. I think its better to consult any reputed debt relief company to choose the right plan.

I believe there are some organizations are out there to solve your problem. It is happening to everyone. The condition of current economy is causing this trouble. I am sure it is a short time problem.

To solve your current problem, you should visit editmyloan.com, they are doing loan modifications kind of stuffs. Go there you may find some help from them.

Debt relief is tough. I'd try to cut costs and maybe try making a little money from home with a legit service. I used to work as a freelance writer.