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Yeah, you can include them in your filing. Thing is, you probably should wait at least 90 days or more before you file. Your lawyer can go over that with you-lawyers I know refer to a delay in filing as "aging the situation". MNakes it about impossible to prove intent. You have to put up with some creditor harrassment but, it'll go away when you file.
Two pieces of advice. Stop using any sort of credit right now. Secondly, I seriously doubt you can get those student loans discharged. The statndard for dismissal is very high. Again, your lawyer can advise. Good luck!
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