Should I include student loan debt on my forms even if it can't be erased? Upsolve 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 Should I include my student loans as income? What is a transfer of property? Why you should not include credit card or personal loan debt payments in Schedule J (Expenses) Do I have to list the amount of money I owe my creditors? I don't have enough income to pay for regular living expenses. Is now the right time to file bankruptcy? Comments 0 comments Article is closed for comments.