You have to get credit counseling from a government-approved organization up to six months before you file for any bankruptcy relief. You can explore the debt relief programs listed below.With low, fixed personal loan rates and no application fee, AZFCU's Personal Loans are great for debt consolidation and all your personal loan needs. In Chapter 13 bankruptcy, you propose a repayment plan to pay back some or all your debts over a three to fiveyear period. PLUS loans are federal loans that parents of dependent undergraduate students can use to help pay for college or career school. Complete each applicable field for all debts issued or financed. In a chapter 13, child support is considered a priority debt. Child support arrearages must be paid through your chapter thirteen payment plan.