At this point, couldn't you just arbitrage it, and take out loans / mortgages / cash advances / credit cards just to pay off student loans and back taxes, after after which you'd actually declare bankruptcy.
If a lender is going to approve a sufficiently large loan to someone with $200k in student loans and tax debt, and without a high income, they would not be in business for long.
I was already tapped out. There was no more money to be borrowed.
That's called fraud and you will go to prison for it.
How is that fraud?
If you borrow money, and it can be demonstrated you never intended to make a good faith effort to pay it back, you're going to have a bad time.