Not all debts can be included in a consumer proposal. Student loans often can’t be included, especially if it has been less than 7 years from when someone stopped studying.nnWhile someone is making payments on their consumer proposal, student loan payments aren’t required. However, interest is still added to the student loan during that time.nnAt the end of the proposal, someone may owe more on their student loan than they did before they filed the consumer proposal.