If you make $40k, you ought to be able to at least pay the minimums. Again, unless there are some extreme circumstances, you won't be allowed to bk the student loans.
A bk stays on your credit report for 10 years. Your only chance at conventional financing for a mortgage will be FHA which are a pain to close as well as expensive to close. Afetr 10 years, the bk will be suppressed unless you apply for a job paying $150k'year, apply for a mortgage of $150k or life insurance for that amount, then it will be provided to those that check. In addition, many auto insurers are running credit checks to set policy rates. And, for awhile any unsecured credit you receive will come with very high interest rates.
I think a lot of your problems could well be budgeting and living above your means. Contact the cc companies and ask about hardship plans where they'll reduce interest rates or minium for a time to let you get caught up. You sound kinda of young and I just think you really ought to fight as hard as you can to avoid bk.
and get your credit cleaned up.
Look at your life style. Get rid of cable TV, get rid of the cell phone and any gadgets you have on your phone. Try to find a cheaper place to live. Be a hermit for awhile. Look at a PT job. It's not forever, just until you get the debt situation under control. And, most important of all-stop charging things. Put yourself on a cash diet. Save the bk for a multiple of 14k.