Generally speaking, you can't get rid of student loan debt if you declare bankruptcy. However, there is one way to do this, and it's by showing that the debt is an "undue hardship." There are three basic things that have to be shown in order to use this reasoning:
When debt in Georgia is overwhelming, you may want to consider Chapter 7 bankruptcy. This is a type of bankruptcy that liquidates a good portion of your assets -- some things are exempt, though, as the goal of bankruptcy isn't to make you homeless and entirely broke, but to give you a fresh start -- and then eliminates your debt.
There are many advantages to filing for Chapter 13 bankruptcy, such as the fact that it may do less harm to your credit score and the way you get to keep more of your assets, paying them off over time instead of liquidating them. Chapter 13 gives you a repayment plan that you can use to make your debt affordable again, rather than just eliminating it right away and using your assets to pay down as much as possible.