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>>25198761
Hardship clause (Only US)

>How does your bankruptcy court decide whether or not a student loan causes you a hardship?

How bad does a hardship need to be to qualify as an undue hardship?

In most parts of the country “undue hardship” requires you to establish all three of the following:

1. You currently cannot maintain even a minimal standard of living (for yourself and any dependents) if you pay the student loan.

2. This present financial situation is realistically anticipated to continue through the loan’s term of repayment.

3. You have acted responsibly in the past regarding the student loan, by making a serious effort to pay it and/or to attempt to qualify for any of the available programs to reduce or manage the loan.

https://wassonthornhill.com/student-loans-that-cause-undue-hardship/