Secured vs Non-Secured & Qualifications

[danaf]

I just realized that I have been factoring in my secured debt (ie car, student loans) to figure out whether or not I qualify for a chapter 7.

Is this wrong?

[HHM]

That is not wrong...(assuming you plan on keeping the items and continue to make payments). The BK expense chart does allow for things like cars, houses, and certain types of nondischargeable debt (i.e. student loans) to count as expenses.