Frustrated about Schedule J and Student Loans/403B Loan

[bobbyquefour]

Hello,
I am new here so bear with me. I have filed for bankruptcy (chapter 7) in the last week in the my state but am frustrated with schedule J. Why is it that I am not allowed to enter my student loans in as a monthly expense since they are not dischargeable and also loans on my 403B retirement loan as well since they are also not dischargeable. I am under the median for the last 6 months in my state and am in the negative when it comes to DMI, but not by much. But if you added those student loans and the 403B loans in, I would be in the negative by probably more than $300 per month. This is bothering me in case any of my other expenses get questioned. I don't want it to seem like my expenses are less than they really are. But those loans are going nowhere and I'd like the cushion if things ARE questioned (I don't have any outrageous numbers in any category, but I know some trustees are very picky).

Also, why are student loans considered "unsecured" if they cannot be discharged?

Thanks to anybody and everybody willing to respond. BQ4

[sjcmCA]

I think it depends on the Districts. I am in Norther California and could put the student loan in the Schedule J but NO questions from the Trustee.
Because of the Studen Loans, my DPI is way negative.

However, it was not listed in the means test.

You should confirm this issue with your attorney in a timely manner. I hope your district allows your student loans in the Schedule J. I saw several threads here to put the student loans in the Schedule J without any problems.

[bobbyquefour]

I'm in the middle district of Florida (Tampa) and my loans are several hundreds of dollars a month for the next many years.

[backtoschool]

Student loans are totally district specific. Just as many allow them as expenses as don't allow them. Many districts don't allow them because they can be put in forbearance during bankruptcy. My district does not allow them.

You will have to have your attorney check specifically on what your district allows to find out where you stand with including your student loans in your expenses.