Are student loans included in Chapter 13 bankruptcy?

In Chapter 13 bankruptcy, student loans are generally not discharged, meaning they are not included in the debts that can be eliminated through the process. While a Chapter 13 plan allows individuals to reorganize their debts and make payments over a period of three to five years, student loans typically remain as an obligation unless the borrower can prove undue hardship, which is a high standard to meet in court. However, during the Chapter 13 repayment plan, borrowers may be required to continue making payments on their student loans. It is important to note that the rules and regulations surrounding bankruptcy can be complex, and individuals should consider consulting legal resources or professionals who specialize in bankruptcy for personalized guidance. For specific details regarding student loans and Chapter 13 bankruptcy in North Carolina, checking the official website of the United States Bankruptcy Court for the Middle District of North Carolina may provide more information.