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? I don't have enough income to pay for regular living expenses. Is now the right time to file bankruptcy? Why are the forms asking for information about other people? Will the court contact them? Why you should not include credit card or personal loan debt payments in Schedule J (Expenses) Comments 0 comments Please sign in to leave a comment.