Since if you are going to declare bankruptcy, retirement accounts are exempt. I was walking to and from school starting when I entered until I graduated high school and then I lived at home and walked 2 miles to the community college for 2 years after that. The walking didn’t bother me. The leaving a 9 year old and a 5 year old child at home alone for 2 to 3 hours every afternoon bothers me. I don’t think it is wise or safe.