$80k is not small. the $18k college loan, as well as my mortgage, and another loan are not being considered if BK is the ultimate decision. Those loans will be paid. The Key loan is the one being considered for BK. I've been furloughed, going back to school for nursing starting tomorrow, and I'm fairly sure my flying days are over. That being said, my "potential" earnings in the future have shrunk dramatically. Of course we all the know the pilot pay topic, hell, I could be stuck as an FO for many many many years if I get called back so maybe nursing would be a bump in pay over time. Anyway, just trying to see if anyone has any knowledge of BK associated with those old Key Loans. As for BK and the damage it does, thats relative. My situation now is FAR worse in a debt/financial sense than having to wear the "dunce-cap" for a few years while my credit improves. Chapter 7 allows for car and other loans in less than 2 years. Of course the BK shows up for many more, but at least your able to move on with your life. Again, I'm just gathering information. Do I want to renege on my obligations? No. Do I want to start a family and have a chance at a normal life? Yes.