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You would be able to restructure your student loan payments while you're in the chapter 13 bankruptcy. However, you will not be able to discharge any of your student loan debt. Once the chapter 13 is over you'll be back in the same position. I'd recommend looking at the income sensitive repayment options under the federal student loan programs. That may be a superior way of dealing with the student loan debt issue. Unfortunately students loans remain nondischargeable in bankruptcy. The only thing of 13 would do would be give you a temporary restructuring of debt payments.