Which of the following is not one of the three conditions of undue hardship set out in Brunner v. New York State Higher Educ. Servs. Corp, 834 F.2d 395 (2d Cir. 1987)?
a. The debtor will be unable to maintain even a minimal standard of living if forced to pay back the student loan.
b. The debtor's financial circumstances will most likely persist for a significant portion of the repayment period.
c. The debtor has been unable to find employment resulting from the education that is the subject of the loan.
d. Good-faith efforts were made by the debtor to pay the student loan.
c
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