While I understand you may not be a lawyer I am looking for advice from experienced and knowledgable individuals. I am 27 years old and have about $25k in debt. I do not have a steady full time job and do have about $10k saved.
Student Loan - $13,928
Other Collection - $11,530 (Primarily Medical and Utilities)
I do not forsee myself paying them off Anytime soon and have not payed on any of them.
You can't BK student loans. That's out.
Medical debts you can remove using the WhyChat method (google it). I've helped friends remove ALL medical collections using this method.
Utilities you can remove by calling the utility (original creditor) and asking them to recall from collections then paying it before it reports again.
You don't need BK.
Why don't you have income yet?
As the above poster has stated, bankruptcy won't get rid of your student loan debt. If they are federal loans I would look into income based repayment, which would mean no payment if your income is low enough. The rest of your debt is pretty low to consider bankruptcy, but of course it is all relative to your income.
I honestly would hesistate to file bankrupcy without a steady income, as crazy as that sounds. The reason being you can only file once every 8 years, and without a stable source of income you may continue to accumulate debt or medical bills and have no recourse for the next 8 years. I would look for employment first, and then you will have a better idea of your final situation.