My question involves bankruptcy in the state of: Alabama
My husband and I want to file bankruptcy. Our monthly bills are more than what our monthly income is and our student loans haven't even entered repayment yet! We need (must) include both our federal and private loans in the bankruptcy because once they go into repayment, just the loans will be over $4000 a month. Our income is right at $5000/month net. My mother is a cosigner on most of our Private loans (Sallie Mae) and I do not want her to be affected by this. Is there ANY way to include loans that she cosigned without Sallie Mae going after her for the balance?

