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The length of your repayment plan depends on your income level. If your monthly income exceeds the median monthly income for a household of your size in your state, your plan must last five years -- unless you can propose a plan that pays 100% of your unsecured debt in a shorter period of time. If your income is less than the median monthly income for your state, you can propose a three-year plan, even if your unsecured creditors cannot be fully repaid during that time. To learn more about what your repayment plan must include, see Nolo's article Your Obligations Under a Chapter 13 Bankruptcy Plan.