I had a stroke last December (2020) while uninsured. I am a 22 college student and my parents are paying my rent and bills but since my dad was a contractor we didn't make enough money to buy insurance at the time.
Assets: Nothing
Medical debt: ~$63K
Federal student loan debt: ~$48K
Credit card debt: $1K
So I am already in a lot of debt and to be honest I am just thinking about going ahead filing chapter 7. I already know that filing Chapter 7 won't get rid of my student debt, but I really have zero idea how I am going pay off all of this medical debt combined with everything going on.
Yes I know Chapter 7 is credit destruction, but I am very busy with school work and just trying to graduate and get it over with as I suspect lawsuits wills tart to happen so and I just don't have the time to deal with this shit for much longer. I've tried getting financial aid from the hospital, they didn't play ball and more or less denied my claim and have already sold the debt.
With me having to invariably pay off my student loans anyway, when I do that wouldn't my creditworthiness improve a lot anyway?
Please keep replies concise and segmented by topic. If overall reply can't be short please keep sentences and paragraphs short. My stroke makes it very hard for me to read word walls as its very easy for me to get sensory overload.
Submitted October 17, 2021 at 12:46AM by JonF1 https://ift.tt/3DU1tiV
