Your student loans are probably not dischargeable. It sounds like you have $6,000 in medical debt and $6,000 in credit card debt, or $12,000 in potentially dischargeable debt. If you declare bankruptcy you will have to go through credit counseling, and may end up having to go through a Chapter 13 repayment program. You're better bet is probably to refinance the debt, perhaps with the assistance of your husband, so you have a smaller monthly payment and better interest rate.