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the problem with bankrupcy is that it lasts a lot longer than a few years. loans and other items will cost a lot more for decades, and even though companies know your more likely to pay because you previously did declare it, they'll still make you pay through the teeth because they can.
i'd advise doing everything you can to pay off as much debt as possible, then if neccessary, take out a loan to cover anything left, and really just scrimp and save from there, and get a better job.
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