 The new legislation also requires that all individual debtors in either Chapter 7 or Chapter 13 complete an “instructional course concerning personal financial management.” If a Chapter 7 debtor does not complete the course, this constitutes grounds for denial of discharge pursuant to new §727(a)(11).The financial management program is experimental and the effectiveness of the program is to be studied for 18 months.Theoretically, if the educational courses prove to be ineffective, the requirement may disappear.