There is a long form of the means test that factors in secured debt payments such as your mortgage and other necessary expenses like medical bills and insurance. (marin-bankruptcy-law.com)
Qualified expenses include tuition and fees; room and board; books, supplies and equipment; and other necessary expenses such as transportation. (taxpolicycenter.org)
This enables families to conserve money that would have been spent on disposable diapers and use it towards other necessary expenses. (thinking-about-cloth-diapers.com)