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 What do I list as the date a debt was incurred? Why You Shouldn’t Include Credit Card or Personal Loan Debt Payments on Your Schedule J (Expenses) 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.