No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Student loans can be discharged in a BK in certain cases. The two cases I could find pertaining to a student loan in 1995 are: if repaying the student loan would cause undue hardship or if you have been paying on the student loan for 7 years prior to filing the BK the student loan could be discharged.
I don't believe they should be able to do what they are trying to do, but I don't know a lot about it, just what I found above. Maybe someone else knows here, or I would talk to your BK attorney about it.
Lol, you never know, you might qualify, as beauty is in the eye of the beholder, they say...
Thanks for the laugh, I get too serious on this credit recovery venture!