Here's my story:  I have approx 18grand in fed and bc loans from when I left school in 2001 due to depression/anxiety disorder I developed. My wife and I are in bankruptcy now and CA has said they will sue me for the money after bankruptcy.  My wife may be losing her job due to her employer being in creditor protection, so we will have even less money to live on in the near future.  My health has also deteriorated over the past couple of years, and I am unable to work for the forseeable future, and two doctors have diagnosed my condition as severe and chronic.

Is there anyway for me being chronically ill to get out of this mess besides waiting for the 10 years and declare bankruptcy again?  Sadly I will be totally dependant on my wife for the forseeable future, so working to repay the loans is not an option at this point.

Thanks for any info in advance.