Again, the latest easiest answer to protect on your own is in order to consolidate brand new funds ahead of submitting the fresh bankruptcy instance

(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.

Judge Humphrey after that considering an incredibly innovative, comprehensive need out-of what was necessary away from a borrower looking to confirm unnecessary difficulty under each prong of sample: