How is plan term determined?

[Mik3]

Can someone help me understand how, and who choices the term of 36, or 60 months?

Thanks

[LadyInTheRed]

If your income is above median for your state and household size, you will have a committment period of 60 months. If your income is below median, you have a committment period of 36 months, but your plan can go as long as 60 months if needed to pay arrears on secured debt, the value of non-exempt assets or any other minimum amounts that must be paid in your plan. Your plan can be shorter than the commitment period if you pay 100% of unsecured claims earlier.

[Mik3]

That makes sense. Thank you for the help.