I find myself with a ridiculous amount of debt. Does anyone know what exactly is "undue hardship" with regard to bankruptcy law in the US, especially with regard to student loans? I know that student loans are not typically discharged unless there is "undue hardship". I owe more than $250,000 just in student loans. With the rate of interest around 10 to 12% I cant possibly work enough years to pay that off. Any thoughts on this?