As a debtor, I would rather debt that can be discharged through bankruptcy, so there is incentive there to prefer this offer to that of another similar offer th

As a debtor, I would rather debt that can be discharged through bankruptcy, so there is incentive there to prefer this offer to that of another similar offer that doesn't include the debt transfer. In other words, there is benefit to both the borrower (a 'better' kind of debt) and lender (we sell something we might otherwise not).