only in worse case situation should she BK. Lets say she ends up going to court and judge is no help after seeing paycheck/bills and so on. At OP's income level, a garnishiment would be a disaster even with this little amount of debt. The BK would be needed to live. Some states are so pro creditor they may not care about her situation, sadly.
Are student loans private ? Some private can be BK'd
I just wanted to give an update on my situation. So I filed for chapter 13 on 6/25 I had my 341 meeting 7/25. I have already started making payments and now finally able to breath!! I got a small raise at work which has helped me begin to save money. I plan on paying off my bankruptcy within the next 3 years. Then I'll be debt free!! I appreciate everyone's advice! You helped me make a hard decision. Now I'm just ready to start rebuilding my life...the right way!