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 Why You Shouldn’t Include Credit Card or Personal Loan Debt Payments on Your Schedule J (Expenses) Should I Include My Student Loans as Income? What Is a Transfer of Property? 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.