While I'm not an expert on the legal aspects of what you are wanting, I do have a history of manipulating the system and I have more or less screwed over banks and big corporations in the past by overdrawing bank accounts by several hundred dollars and not paying them back or getting in debts from other companies and evading collections all because I was trying to survive since I couldn't hold down a job so I feel like I can give you a unique prospective on this.

You could take out a bunch of loans and hide the money but if you do, be certain to keep it in an untraceable medium such as cash or bitcoin because if you keep it in a bank account or even in a prepaid debit account, the government can seize the money.

Also, if you do this, I would advise against filing for bankruptcy right away. Wait months or even years to establish a history with them so it looks like you really cannot pay them back. For the best result, make small micro payments on the loan (such as $5 or $10 a week) to make them think you're making an effort.

As for the hospital debt, that would likely be easier depending on which state you reside in considering in most states, hospital debt cannot result in garnished paychecks or seized assets. If you are wanting to get loans and do the hospital method, than I would advise getting the loans first and waiting about a month or two before going to the hospital provided you aren't experiencing an immediate life threatening condition. Doing it like this builds a history that could work into your favor when you file bankruptcy because you can use the hospital stay and your mental health as a way to manipulate your way out any accountability should they have a problem with it.

I actually knew somebody who did something very similar to get out of a nasty divorce where the woman was trying to take all of the guys assets that he earned so he took out a big loan that was equal to the value of all his assets plus an extra 10 grand or so and buried it somewhere and gave the wife all of his visible assets which also included all of his loan debt and when confronted, he used his mental health history as an excuse by saying that he spent all of the money on alcohol and an expensive trip to cope with the pain of his loss and he had a history of substance abuse to prove it and last I heard, he is doing rather well for himself.

I know these tactics seem dishonest but as long as the system continues to not care about those of us with mental health issues, we must be willing to resort to any low to survive because nobody else will care anyways.

I hope I gave you some valuable insight