Mckenna graduated from college with a degree and $$75,000$ in student loans. She was unable to find a job. She also began incurring debt including a home loan for $$200,000,$ a car loan for $$30,000,$ and credit card a debt of $$500,000.$ She filed for bankruptcy four years after graduation listing all the amounts. Which of the following is true in the context of this scenario?

a$.$ The courts will likely discharge all the debts if she meets the "mean test."

b$.$ The courts will only discharge the secured debts for the home and the car.

c$.$ The courts will not discharge the debt for the student loan.

d$.$ The courts will not discharge the debt for the credit cards.