I read that it's 10 years after... but I am 23 now. JUST went back to school so the next 4 years are pretty much booked. After that i'll be working and paying off loans, and I read that some creditors, while you'll get a crap rate, are almost more willing to give you limited credit just for the fact that you have no other debts after the discharge goes through. (I say some because obviously the creditors who you fucked won't help you anymore )

I talked to a former co worker who went through this a few years ago, and he just financed a new truck, has a credit card and his current credit situation is basically like it was back in college, not much but good enough.