Krieger is a 53-year-old woman who has not held a job in over twenty-five years since she left the work force to raise a family. Prior to that period, she did not earn more than $12,000 a year in her working career. Krieger is living with her mother, age 75, in a rural community where few jobs are available. She and her mother between them receive only a few hundred dollars from governmental programs every month. She is too poor to move in search of better employment prospects elsewhere. Her car needs repairs and she lacks Internet access, both of which hamper a search for work. Having no assets or income, Krieger filed for, and is entitled to receive, a discharge in bankruptcy. Her largest creditor-Educational Credit Management, which acts on behalf of some federal loan guarantors-seeks to exclude Krieger's student loans from the discharge? Explain whether Krieger should be discharged from her educational loans.