Undue hardship - The most widely used test for evaluating undue hardship in the dischargeability of a student loan includes three conditions: (1) the debtor cannot maintain – based on current income and expenses – a minimal standard of living if forced to repay the loans; (2) there are indications that the state of affairs is likely to persist for a significant portion of the repayment period; and (3) the debtor made good faith efforts to repay the loans.⏎
Subpoena duces tecum - A command to a witness to appear and produce documents.⏎
Tort - A civil, not criminal, wrong. A negligent or intentional injury against a person or property, with the exception of breach of contract.⏎
Testimony - Evidence presented orally by witnesses during trials or before grand juries.⏎