Student loans after BK

[Anonymous]

I am preparing to file bankruptcy (chapter 7).

I will likely have 3 student loans survive ($1,650, $1,767 and $36,074). They are on income-based repayment with $0 due monthly.

Will these count as installment loans for my rebuild, even though I don't have to pay monthly? They still report positive monthly.

[calyx]

Yes, one of the joys of an IBR $0 payment is that they count both towards your credit report/scores and potential forgiveness.

[Anonymous]

Thanks for the quick reply!