<prompt> Human: my wife and i together make around 10 k too much to file for the means test if they use gross pay which i understand they do. we make roughly 100k and for illinois family of 5 its 91,646. is there any way i can add more liability to qualify for the chap7. we have over 50k in credit card debt that is not going anywhere. my every 2 week paycheck is 1450 after taxes, insurance, and retirement. which is well short of the 56800 gross pay that i make.looking for some options here. i have one son in collage and another will be going next year. i dont have to pay on the loans yet since they are still in school but they are still debts.  <response>: Youre going to find very few people here who are willing to advise you on how to file bankruptcy. Especially on how to help you qualify to file chapter 7 if you make too much.My advice, hunker down, build a budget, consolidate debt. Stop taking out student loans for your kids that you cant afford it sucks but paying for school may need to be up to them. You can dig your way out. Filing bankruptcy will prevent you from taking any more loans or even consigning loans for their education in the future.Sidenote: student loans typically cannot be discharged in bankruptcy so keep this in mind. 