1. Go to lawyers.com
2. Find a handful of (3-4) bankruptcy attorneys near you
3. Schedule a free 30-minute consultation with each of them
It sounds like you're insolvent, and that your student debt is causing "undue hardship", which has been the standard for discharging student debt since 1987 (Brunner v. New York State Higher Education Services).
It sounds like you're insolvent, and that your student debt is causing "undue hardship", which has been the standard for discharging student debt since 1987 (Brunner v. New York State Higher Education Services).