which generally requires demonstrating that you made a good faith effort to repay the debt, that you will not be able to maintain a minimal standard of living and still repay the debt (usually using the lowest monthly payment under any of the repayment plans, typically income-contiengent or income-based repayment), and that the conditions that prevent you from repaying the debt will likely persist for most of the full term of the loan. Even if you satisfy the requirements of an undue hardship discharge, often this will result in just a partial discharge of the debt. Almost three-quarters of students who default on their loans have done so after withdrawing from school and failing to complete their studies. ]