Should I include student loan debt on my forms even if it can't be erased? Nic Ruiz January 27, 2019 06:23 Updated Yes. You should include all your debts on your bankruptcy forms, even if some cannot be erased. Related articles Why You Shouldn’t Include Credit Card or Personal Loan Debt Payments on Your Schedule J (Expenses) What do I list as the date a debt was incurred? I Don't Have Enough Income To Pay My Regular Living Expenses. Is Now the Right Time To File Bankruptcy? Should I Include My Student Loans as Income? What Is a Transfer of Property? Comments 0 comments Article is closed for comments.