The poster indicated that she is currently employed. She could be subject to a wage garnishment if she defaulted on her loans; i.e., they are no longer in good standing. Moreover, as I understand it, the lender does not need to go to court to get a judgment.
Right now she appears to have a forebearance, so she has "good standing", even though she is not paying. However, she is not going to be able to conceal that fact that she is working the next time the forfearance comes up for renewal. It looks like it has to be renewed annually and she probably won't continue to qualify.
It is much easier to arrange something while a student loan is in good standing then when it is not. If she defaults, she would have to make on time payments for a year for the full monthly amounts owed before her student loan would be considered rehabilitated. Once rehabbed, she then would be able to discuss other options, such as a possible hardship forgiveness of a certain amount, etc. Right now, she appears to have "good standing" so there is no loan to rehabilitate. It might be best in her situation to seize the opportunity to do something while she has good standing then default, suffer thru a wage garnishmennt and have to wait a year before being able to apply for other options.
I am not saying the poster should not explore the BK option, but it is difficult to get student loans discharged and not every BK attorney would or should handle it. Definitely not a DIY legal project, even for someone who went to law school. All that I am suggesting is that she gather info about all possible options and then make a decision about what might be the best approach rather than procrastinate and then discover that the best option for her situation is no longer avaiable because she defaulted.