I'm 22- Should I file bankruptcy?

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I have 22 years old and $ 24,000 in credit card debt and $ 25,000 in student loans I have to start paying in two months . I talked to a credit counselor and asked their opinion on whether or not to make the program or file for bankruptcy . He could not give me a specific answer, but leaned toward bankruptcy . MedlinePlus MedlinePlus I just graduated college and have a job making very little money and the debt is going to last more than 10 years , because my monthly payment ( with the credit counselor ) is very high . I know that even if I continue with credit counseling , will hurt my credit . MedlinePlus MedlinePlus My parents filed for bankruptcy five years ago and had no trouble getting a new car and built a brand new house with average interest rate . I know that some employers look at credit reports , but the credit counseling affect anyway. I just want to start over and need some advice. Appreciate it !

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