PPP – not baby related but wondering if anyone has any advice re bankruptcy? I’m…

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PPP – not baby related but wondering if anyone has any advice re bankruptcy? I’m 22k in debt due to going to uni etc and am struggling to pay things now. Currently doing a debt management plan but was told today that I’m better off going bankrupt. Anyone else been in my position? How bad is it? Have you been able to get a mortgage in the future?
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