I have 3 credit cards, one line of credit, and doctor bills totaling $20,000. I do not own a home, or have any assets other than my 15 year old car. I have student loans of $40,000, that I realize are not dischargeable under bankruptcy. My net income per month is approximately $3,000. I have decided to file bankruptcy, and am just trying to figure out which Chapter to file under. I know I meet the means test for Chapter 7. Any "advantages" to using Chapter 13 instead?