Thanks to a dental student some years back, student loans can no longer be included in a bankruptcy filing. I believe there is some misunderstanding about the terminology. Since you must be insolvent to file bankruptcy (which is how the dentist beat the system and ruined things for the rest of those who truly need bankruptcy protection--technically, with huge student loan debt he owed more than he was worth), and, naturally, after you filed, it didn't make much sense to try to collect from someone who has no money. However, after your father files, the lenders will resume collection attempts against you. In fact, they can continue to try collecting from both of you.