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>>17142806

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https://www.jthomasblack.com/library/discharging-student-loans-with-the-brunner-test.cfm

The Brunner test has three parts that evaluate whether or not a debtor can afford to pay off their student loans. The Brunner test is named after the case in which it was first used, Brunner v. New York Higher Education Services Corp. The debtor must show the judge that:

1. He has made good faith efforts to repay his student loans.
2. He cannot maintain, based on current income and expenses, a "minimal" standard of living for himself and his dependents if forced to repay the loans.
3. Additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period of the student loans.