>>39495415Bankruptcy charges are nicer thank you think. There are some things you can't discharge like student debt and child support though. However, if you don't have the cash flow to support a loan, you shouldn't (in theory) be getting one in the first place, so it doesn't matter if you claim bankruptcy or not.
I am simplifying this obviously, but have cash/don't have cash, your bankruptcy status don't mean shit. Just your current present value of income.