or federally guaranteed student loan debt by filing bankruptcy. Unlike most other debts, those student loans may be discharged only if the person seeking discharge establishes specific grounds for discharge under the Brunner test under which a court evaluates three factors:

* If required to repay the loan, the borrower cannot maintain a minimal standard of living;
* The borrower's financial situation is likely to continue for most or all of the repayment period; and
* The borrower has made a good faith effort to repay the student