In fact, 95% of bankruptcy lawyers say that few student loan borrowers have any chance of obtaining a discharge as result of undue hardship.

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Taken individually, none of these steps may seem to be an undue hardship, a sacrifice too great to make in the interest of securing an elusive peace.

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And while other kinds of debt can be discharged in bankruptcy, student loans must still be paid barring "undue hardship, " a legal test that most courts have interpreted very narrowly.

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