One of the most important lessons my mother drilled into my head was to never ever, under any circumstances, file for personal bankruptcy. She told me that doing this would have devastating repercussions on my future ability to ever own real assets or build a decent life for myself. She wasn’t talking from experience, but she definitely knew what she was talking about. If there were ever a time that I considered filing for bankruptcy, I surely don’t remember it. I’ve always had to struggle to make ends meet, but I definitely never wanted for anything. My credit is also not in the best shape right now because I’m having a hard time paying my debts. All of my student loans are coming due and I’m worried as to how I’m going to ever afford the payments I will soon have to make every month. It’s a very scary situation to be in. I will have to make some tough choices in the next few months, but I feel as if bankruptcy is not, nor will it ever be, anywhere near my radar as an option for getting out of the financial problems I’m in.