Student Loan Law: 15.7.7.4.1 The borrower’s present financial circumstances
The “Guidance for Department Attorneys Regarding Student Loan Bankruptcy Litigation”634 (the guidance) finds that the Brunner635 and “totality of circumstances”636 tests incorporate similar standards for assessment of undue hardship.637 In doing so, the guidance glosses over differences between the two standards and essentially establishes guidelines for application of the three prongs of the