1. Any bankruptcy can remain on your credit file for 7-10 years (or longer). If your credit score is currently good, you have more to lose by filing.
2. Most credit card providers will shut down your credit cards. The good news is any debt you owe them will be taken care of by the bankruptcy process.
3. Federally backed student loans most generally can’t be discharged. However, private student loans can.
The bankruptcy option you choose may help or hurt you depending on your personal situation, including how many assets you still have. It’s a good idea to get an attorney (or at least consult with one) as you pursue a bankruptcy.