Should I include student loan debt on my forms even if it can't be erased? Upsolve Help 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 should not include credit card or personal loan debt payments in Schedule J (Expenses) Can I erase debt from judgements? Comments 0 comments Please sign in to leave a comment.