I'll be blunt right here. If you have no missing/late payments and are able to make the payments then why file for BK? Honest people, that are able to make the payments, hold true to their obligations and pay their debts. If the only reason for filing BK is to get rid of that unsecured debt from going to school - then don't do it.

Three of my recent gigs would not hire somebody with a recent BK. One was in the lending industry and another was government related. You have to be very careful about declaring BK (and which type of BK).

Don't do it unless you absolutely have to.