Filing for bankruptcy after I pay off these federal student loans.

Just over $700 bucks left. Unfortunately, I've been unemployed for 7 months now and can't even get a minimum wage job. Savings are gone, cashed out my Roth IRA, and my credit card debt has ballooned to the point where I can't pay the minimum. Chapter 7 is my best bet if I want to keep home. Mortgage is only $385.00 with $57k balance. I feel such a fucking failure in life at 48. Was making $39.60 an hour to nothing. I've been applying to anyplace where my skills are transferable. Fuck this economy!!