Answer: Courts use the “Brunner Test” or a “Totality of Circumstances” test. You must generally prove: (1) you cannot maintain a minimal standard of living if you pay; (2) this situation is likely to persist; and (3) you have made good faith efforts to repay.
What qualifies as “undue hardship” for student loan bankruptcy?
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About the Author: Christopher Ebert
Chris Ebert has been an acknowledge credit repair expert since 2003. He writes for blogs, national publications, advises CRO's to best practices and speaks at national industry conferences. He started his credit repair journey working in some of the largest credit repair attorney firms. Forming his own credit repair organization in 2005, he has help tens of thousands of clients understand credit, what credit repair can actually do for them, and best practices to build their credit profiles fast.