When an income-driven repayment (IDR) plan does not materially reduce the principal balance, and is harming the borrower, there should be no consequences for non-participation under the good faith prong. The long-term impact of an IDR plan upon a debtor can fairly be characterized as the opposite of a bankruptcy discharge. A long-term IDR plan, even one with $0 payments, can be a meaningless exercise—or worse. For debtors who anticipate no significant improvement in their finances, the plans exacerbate the long-term hardship.