If your income qualifies for chapter 7, can you include student loan repayment on schedule J? Also, when calculating the payment of .25 percent of debt payment on good faith test, are student loans included in that total debt?
Student loans are included on line 41a of the Statement of CMI. The answers to the student loan question is less certain, as there is case law in the North Dakota bankruptcy court that may cause a Motion to Dismiss a Chapter 7 if the only difference between Chapter 7 and Chapter 13 is a student loan payment.
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