Hello @jpinka from your article I think you are from the USA? I have consulting company (in the Czech republic) and can give you some tips. You will have one quest! Look on it and figured out, if they can applicated in USA.

• Can you declare a insolvency? In my country, if you are declaring inslovency, you have to pay at least 33% of your debt. You don´t have to pay
  Interest and enforcement fees.

• Have you any chance to get better work and after some time ask for refinancing in some bank?

• What about your parents. Can they help you?
  Borrow some money or help you with refinancing?
  If they have a good income, banks can borrow them.

If you have any question, put it here!

Good luck! It can be good, you will see :-).