The Vermont Chapter 7 Means Test Calculation is a tool used to determine whether an individual is eligible to file for Chapter 7 bankruptcy. It is composed of two types of calculations: the Median Family Income Test and the Disposable Income Test. The Median Family Income Test compares the individual's income to the median income of other households of the same size in the state of Vermont. This helps to determine if the individual has too much income to be eligible for Chapter 7 bankruptcy. The Disposable Income Test calculates the individual's disposable income after taking into account living expenses, secured debt payments, priority debts, and taxes. This helps to determine if the individual has enough disposable income left over to pay back some of their unsecured debts. If the individual's income is higher than the median family income, or if their disposable income is too high, then they are not eligible for Chapter 7 bankruptcy. However, if the individual's income is lower than the median family income and their disposable income is low enough, then they may be eligible for Chapter 7 bankruptcy.