Are you in your 30s? If so, it's safe to say that you're going through some major life changes.
You went back to school to improve your life. You expected that school would help you find a more secure, better paying job. It was easy to think that you could easily pay back your student loan debt once you had a good paying job.
As we get older, bankruptcy seems more like a scary, end-of-the-world option. We start to wonder how we can possible start over. It was easier when you were in your twenties, and maybe even thirties. It seemed liked you had all the time in the world.