More than 700,000 Americans went through personal bankruptcy filings last year according to a recent LendingTree study. The reasons for doing so vary wildly, but job losses, medical expenses, and credit card debt are some of the most common. Going through personal bankruptcy may be the only way for some people to get back on their financial feet, but the result is often disastrous for their credit.But how much do low credit scores and bankruptcies actually add to the cost of a loan?