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(1) the debtor cannot maintain, based on current income and expenses, a “minimal” standard of living if he is forced to repay the loans; (2) that additional circumstances exist that indicate that this state of affairs is likely to continue for a significant portion of the repayment period of the student loans; and (3) that the debtor has in the past made good faith efforts to repay the loans.
Legal Humphrey after that given a highly careful, comprehensive reasons away from that was needed off a borrower seeking show excessive difficulty less than for every single prong of one’s sample: