In my situation would it be better for me to file bankruptcy or try to pay off bills?

Long story short, im a 21 year old male in college with two years left before i have my criminal justice degree and i want to be a detective. im also in the military reserve (mp). my situation is unique only because my have an oustanding balance of 40,000-50,000 dollars because i tore my acl during sports (not for school). i dont have health care because ive taken care of myself since i can remember. i needed the surgery to continue working and army so i did it. ive never been the one to use credit much though and i feel it was just my luck to be in my situation because im very responsible when it comes to credit scores, my future, etc. I honestly think bankruptcy is the best route for me to take because im single and i have no kids and im sure i can get good credit by the time i finish college but i also know police depts are strict about past credit problems and i dont want to hurt my future career. any advice would be great. THANKS!