Reaffirming a debt means you agree to continue making payments on the loan as if you had not filed for bankruptcy. A reaffirmed debt is not discharged at the end of the plan. You do not have to reaffirm any debt. Speak to your lawyer if you think reaffirming a debt might be right for you. But think carefully before acting because signing a reaffirmation agreement is difficult to undo if you later change your mind.