Immediately call the National Foundation for Credit Counseling at 800-388-2227. They are experts in dealing with this situation. You can trust them completely and do it over the phone.
Student loan balances are not typically erased by bankruptcy — and eventually they will impact your Social Security payments, but hang in there. The collection agency isn’t offering you any special deal. NFCC knows all the ins and outs of repayment. Please write back and tell me the advice you receive — and let me know the results.