> if the borrower can prove undue hardship (probably hard to do, especially with income-based repayment) Yeah, it's pretty hard to do. You have to have an "adv

> if the borrower can prove undue hardship (probably hard to do, especially with income-based repayment) Yeah, it's pretty hard to do. You have to have an "adversarial proceeding" (i.e. a lawyer from the Department of Education or whoever shows up and argues against you).