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 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) Can I have longer than 5 days? Do I have to list the amount of money I owe my creditors? Comments 0 comments Article is closed for comments.