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I went to DeVry for an associates degree in Electronics and Computer Technology about a decade ago; ended up learning that no amount of schooling was going to make up for my complete inability to network with people, because that's how you land jobs. You could be the most incompetent moron out...

You do, however, utterly trash your credit score when you declare Chapter 7 bankruptcy; essentially forfeiting your ability to take out any sort of loan in the future. You also, I'm given to understand, can lose everything else you own that might be of any value which could be sold off; leaving...

Cosigner? I wasn't aware that was a thing when it came to student loans; mine never required one.

Is it? Because I don't think that holds true anymore; or at least, not as much as it once did.

Creditors loan money to students with the expectation that their degree will result in them getting a decently paying job; but if that degree is worthless, than the debt is also worthless, so what exactly do they stand to lose if bankruptcy is declared?

You can, however, find yourself with a worthless degree. Either because it's in something like Gender Studies, or because it's become outdated; something that happens quickly with degrees involving computer systems.