Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How much will filing for bankruptcy hurt me if my credit is bad anyway? - My husband and I are trying to get a home loan and we are consistently being denied. We both have bad credit due mostly to nonpayment of medical bills. If we file bankruptcy will it be long before we are able to get a home loan? Will filing affect the status of our student loans which we do not want to include in the bankruptcy? -