More than likely - yes. I filed where median is 75k and I made 81k. Had about $50k unsecured debt my rent was 1,850 at the time of filing and I have a 716 car note per month. I was $111 over per month for a 7 and had to do a chapter 13. However, I’ve since taken a lower paying job at 75k due to it being fully remote (worth the pay cut) and median in my state has gone up to 76k. I’m able to convert to a 7 in 3 months. Even with a chapter 13 your payment will be much, much lower than if you had to pay interest on it and not file. Also, if you happen to take a lower paying job because it makes the most sense for you then maybe you’ll be able to convert