After weighing the evidence and considering the credibility and demeanor of the witness on the good faith issue, the Court finds that Marcotte has satisfied the third prong of Brunner by providing significant and sufficient evidence of his good faith efforts to repay the Loan. Conclusion “Congress, in enacting § 523(a)(8), set a high bar for a debtor seeking to discharge government-guaranteed educational loans,” Frushour, 433 F.3d at 403. Mar-cotte has met this heightened standard by satisfying each prong of the Brunner test to demonstrate that tor did not satisfy the second prong because she and her dependent did not suffer from any disabilities and she was earning a lower income than possible because she held higher paying jobs in the past); Richardson, 2008 WL 3911075, at *3 (<HOLDING>); Straub 435 B.R. at 317 (concluding that
holding that where employer paid benefits under group disability policy to employee under mistaken belief that his condition resulted from illness rather than injury arising out of and in course of employment employees acceptance of such benefits did not bar him from benefits to which he was entitled under workers compensation law and employer was properly allowed credit for payments made under disability policy holding that debtors situation did not have a certainty of hopelessness because his only disability was from a back injury which he attributed a 20 disability rating and a significant problem for the debtor was his negative attitude toward obtaining employment holding that where the claimant was already serviceconnected for a psychiatric disability and a medical record indicated that his conditioned worsened no formal application for a total disability rating based on individual unemployability was required because 1 a total disability rating based on individual unemployability is simply another way to get a 100 rating and 2  3157a provides that medical examinations that show a worsening of an already serviceconnected condition are themselves informal claims for increases holding evidence of a 13 permanent partial disability insufficient to establish disability for purposes of ada holding disability discrimination claim barred