I DO have horrible credit and was likewise worried. I called several state bar associations and all assured me that bad credit is no problem if you have addressed the debt. Bankruptcy also is no problem as long as you did not abuse it to avoid debt that you could have paid. All they look for there are court sanctions against you for hiding assets or the like during proceedings. Believe me, $3500 debt is laughable. Where it hurts is I can't get loans past the federal ones, which possibly leaves me unable to attend many of the great schools I've gotten into.