Only individuals (people) with regular income may file under Chapter 13. In addition, the total of your non contingent, liquidated debts must be less than certain amounts.
The rules for deciding whether debts are non-contingent, or liquidated, or secured can be tricky. Plus, the maximum dollar amounts for Chapter 13 keep changing. You should seek the advice of a competent bankruptcy attorney if the total amount you owe to all your creditors exceeds the debt limits.
In general, you must pay all your disposable monthly income to the Chapter 13 trustee. Disposable income is what is left every month after paying your reasonable and necessary living expenses. Payments that you have been making on credit cards or other unsecured debts (including student loans) do not count as expenses when calculating disposable income.
Contact a chapter 13 bankruptcy attorney if you are thinking to file for bankruptcy.
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