Chapter eleven is a form of bankruptcy (faillite) in the United States.
Read this story about a man who is $80,000 in debt from his schooling... He left a good job to go back to school and later earned LESS than before! This is all too common now in the United States.
http://economywatch.nbcnews.com/_news/2012/09/19/13965923-economy-leaves-many-returning-students-disappointed-deep-in-debt?lite
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