While attending college, Barbara Barrington obtained a student loan from the New York State Higher Education Services Corporation. Barrington had depressive illnesses all her life, as had previous generations in her family. Her grandmother was institutionalized, and her mother had been on medication for a long time. Barrington was discharged by Eastman Kodak Company because she could not face the problems and stress of her job. Since that time, she had stayed at home, slept a lot, and played with her dog. She made little or no effort to find other employment because of her depressed condition. She also filed for bankruptcy. In the bankruptcy proceeding, one of the questions was whether payment of her student loan would impose an undue hardship on Barrington, and thus whether the loan was dischargeable. Should the student loan be discharged?