Filling a second bankruptcy?

I had a ch. 7 discharged in Aug of 2002.. I have an irregular income right now, with an unemployment claim. I have no securities, no house, etc..just an old car. My debts include about 13k in credit cards, one is in a income sensitive plan ( 17/month), ending in April, one paying a collection agency 110/month on 6700, and the other is about 2 months past( 5500), and used a years of unemployment insurance payments. On top of this, I have Sallie Mae signature student loans of about 48k, that have only 4 months forbearance left, which you have to pay for...and around 150k in fed loans that have much forebearence left. I'm not sure what to do, I have nothing, should I just let it all go, and in 2 years file bankruptcy, if I havent' landed a 6 figure or more job?