My employer has a long-term disability program, but I think I would have to go on short-term disability again and then if it lasts a certain amount of time and extends, they look into making it long-term disability.

It pays 60% of salary and the paperwork said it lasts until retirement age for everything except mental illness. I think it lasts 2 years or less for MI.

When I was on short-term for 5 weeks, I got 75% of salary.

Isn't state disability difficult to get?

Would it have anything to do with getting fired again?

Or would the big write-up my manager gave me (listing their case against me) be helfpul with that, considering everything listed on there is related to bipolar?

I am definitely depressed. People who don't even know about my bipolar are asking if I'm depressed.

Right now, I'm about $20,000 in credit card debt and $90,000 in student loan debt.

Student loan debt can't be written off with bankruptcy, of course. My mom is pushing me to file for bankruptcy, but is it really worth it over $20,000?