 to determine what percentage of the debt she would have to repay. And they would use her income against that formula, and over five years with only $76,000, she's going to pay almost all of it over five years. You're going to gain almost nothing mathematically with a Chapter 13 bankruptcy. And there's a means test used to see if you can file a Chapter 7 bankruptcy and wipe them completely clean. She will not pass that because she has the means to pay this.