In re Boykin (03-52112, Adv. No. 03-05165)
Debtors who were currently unable to make ends meet, were living a frugal existence, lacked marketable skills or the ability to acquire marketable skills, and had made some efforts to negotiate with their student loan creditors would suffer undue hardship if required to repay their student loans. Consequently, they were entitled to a discharge of those loans pursuant to § 523(a)(8).