$25,000 Unsecured Loans Credit Score Of 531 - Delinquent Accounts - $25,000 Unsecured Debt - $12,000 Student Loans - Bankruptcy?

Credit Score of 531 - Delinquent Accounts - $25,000 unsecured debt - $12,000 Student Loans - Bankruptcy? - $25,000 unsecured loans

I could not pay for anything broken about 9 months for my credit card. However, I paid on time for 8 years before losing my job and could not pay for these 9 months. Now I have a new job, and I will raise approximately $ 28,000 to. Bankruptcy should register to get rid of my $ 25,000 credit card debt and then try to pay my credit back to my student loans on time (I'm still building the extension for you) to? Or should I try to pay back $ 25,000. What would be the best for my credit or long term? I'm still young (mid-20's), so he is not looking for a mortgage or something for 10 years anyway.