I know of two friends that did go bankrupt many years ago after completing their training as this situation is nothing new albeit in much larger numbers now.
All I can say is I wish I had done it too. It affected their lives not one bit. And it was much harder to go bankrupt then too. Ironically, if I remember it cost a few hundred quid to go and they didn't even have that so had to borrow it!
After 3 years the debt was written off and behind them. Bank accounts, mortgage, no problem and both now in flying jobs.
If your concience allows it seems the ideal solution to me.