Jones earned a college degree in history with a minor in economics and a law degree. However, he was unable to pass the state bar after several attempts. He continued his education with a Masters in Education and Divinity. He borrowed heavily for his education accumulating over $140,000 in student loans. He spent the next thirteen years in the army, substitute teaching, writing and social work with substantial periods of unemployment.

He filed for bankruptcy and sought relief from his student loans for 'undue hardship' on the grounds that he would never be able to earn enough to repay the loans.

You are the bankrupcty judge, is his loan dischargeable? ____ Yes ____ No