Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - I am 25 with 25,000 in medical debt. Should I file bankruptcy? - I am married. My husband and I are both college students. We don't have any credit card debt, but we only make 18,000 a year. He still has 3 years and I still have 4. His credit is just now getting good. All of this is on mine. We have gotten all of our other creditors paid off, but we feel like we have no choice. -