system
A chat on subreddit /r/wallstreetbets
human
Only if OP is stupid enough to BK immediately. You don't even need BK for so little debt, save it for until you're high 5 figures or more, medical debt, etc. I'm living on credit too and it's not that bad as long as you can handle the minimum payments by taking out more loans.

gpt
The fact that you're looking at 30% apr loans says it all broke boi but it's still just stupid thing to do. Why blow up your life and credit over 11k just so you can continue to lose money you don't have.  
  
 Hopefully OP is smart enough to not take financial advice from someone SoFi won't piss on but worth pointing out the peak stupid here. 
