Monica Stitt is disabled, makes $10,000 per year in disability benefits and public assistance, and has student loans she can’t pay.

She files for bankruptcy in Maryland and tries to get her student loans discharged due to undue hardship.

Why did the judge deny her case, saying that she, “had not made a good faith effort to repay the loans”?

You may think this proves that the bankruptcy courts are unfair and the deck is stacked against someone drowning in student loan debt.

You may use this case as proof that student loans are immoral, and that honest people never get a fair deal.

Before you use Monica Stitt as the poster child for everything wrong with the student loan system, listen to the real story.

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