My question involves bankruptcy in the state of:Massachusetts
I have student loans (FFEL) that were consolidated at one point. When I was not allowed forbearance during unemployment they defaulted and were then in the care of ASA (American Student Assistance). I am still not able to pay. They have garnished my pay 15% of my net pay. I am now falling behind on rent, car payments and my utility bills. I just cannot pay my basic living expenses.
I have other debts that are from several years ago as well (credit cards). I have been considering filing bankruptcy.My question is will student loans be considered if I decide to file?
Help is appreciated.
Lucia

