This is a response to Mr Mark J Markus for my question, email I recieved wouldn't allow me to reply back.

With my attorney, we file chapter 13 because I kept my car, and only thing that is being paid back in the 13 is my car, state and federal taxes, and lawyer. From what I see in my bankruptcy statement, my student loan will get paid on, but don't think in the near future. If we file 7, and got rid of my car, I would have got an cheaper payment, but it seem it would have balanced out, what I'm paying now, because if I file 7, I would have to start paying back my student loan. After doing this, I just feel it not working. I live with my mother for the time being, but I don't have enough income to even to live at minimum on my own. During my budget, I only have things that have to be paid, and trust that very little, I have maybe 200 left each pay check, and again, that bare minimum and not paying rent. So as you see I'm doing research for myself and asking questions. I was told means test was based on gross income, not net.