My guess is to avoid the possibility of the creditor claiming that you took out the loan after already knowing that you were going to declare bankruptcy.<p>The 4 on-time payments make it look like you tried to pay the loan back but just couldn&#x27;t afford it.<p>If no payments were made at all, it would be easier to prove that there was intentional fraud. If such is proven, it may be impossible to wipe the loan during bankruptcy.