Student loan payments and Chapter 7 bankrutpcy?

Question

I would like to know if monthly student loan payment can be included in my expenses for the Chapter 7 means test.

I am fully aware that you can't include student loans in a bankruptcy.

Answer 1

Yep as long as you are on a regular monthly payment plan and its part of your expenses. If your loan is deferred you would not be able to claim it as an expense at the time of filing the means test.

Answer 2

I would guess you would have to defer the payments until after the bankruptcy. That is just a wild guess.

Answer 3

I think so...ask your lawyer for his advise.