EVIDENCE BASED POLICY; THE BANKRUPTCY CODE LETS YOU DISCHARGE DEBT THAT ISN'T TIED TO A TANGIBLE ASSET; IT'S NOT UNUSUAL FOR DEBTORS TO GET CREDIT CARD DEBT FROM STUFF LIKE VACATIONS OR BOOZE DISCHARGED; STUDENT LOANS AREN'T TIED TO AN ASSET I CANT READ PANEL TWO IT'S TOO S MALL; YOU CAN JUST FILE BANKRUPTCY REGARDLESS OF YOUR INCOME