Cathy took out loans to complete her college education. After graduation, Cathy was irregularly employed as a teacher before filing a petition in a federal bankruptcy court under Chapter 13. The court confirmed a five-year plan under which Coleman was required to commit all of her disposable income to paying the student loans. Less than a year later, when Cathy was laid off, she still owned more than $100,000 to Educational C credit Management Corp. Cathy asked the court to discharge the debt on the ground that it would be an undue hardship for her to pay it.

How should the court decide this issue based on Cathy's circumstances? Discuss both pro and con.