Technically (per Suze Orman) the two things declaring bankruptcy will not clear are Student Loan debt and debt determined by Criminal/Civil courts, in the USA.
I found it shocking that those two debt types are on the same level. The student loan one is probably limited to Federal/State funded loans. I imagine if you pay your College bill with a MasterCard then you could get around this.
Student loans, child support/alimony, tax debts, criminal penalties, civil penalties, and tax witholding for other people will all follow you even past bankruptcy.
Pretty much all you can get rid of is unsecured consumer debt. A modern bankruptcy is just a way to get out from under your credit cards (or health care debts).
I found it shocking that those two debt types are on the same level. The student loan one is probably limited to Federal/State funded loans. I imagine if you pay your College bill with a MasterCard then you could get around this.