Ready to say goodbye to student loan debt for good? Learn More

Means Test


The test that determines if a person is eligible for Chapter 7 bankruptcy.

Learn more about "Means Test"

It's a two step analysis that begins by comparing the filer's currently monthly income to the median income for the state. If the filer's income is less, they qualify for Chapter 7 relief. If not, the rest of the means test analysis must be completed to determine whether they may file Chapter 7 bankruptcy.


Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families resolve their debt and fix their credit using free software tools. Our team includes debt experts and engineers who care deeply about making the financial system accessible to everyone. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.