After a trial, the court reluctantly denied the debtor’s complaint to discharge his private student loan debt. The court found that the debtor, a combat veteran, holds a stable position with a good salary in the Veterans Administration in a field that will qualify him for debt forgiveness on student loans from the U.S. Department of Education; he is new to his civilian career, which is likely to last for another 25 years or more; and he and his family have taken significant steps to improve their finances and reduce their expenses and are likely to close their monthly budget deficit in the near future. The totality of the circumstances does not show that repayment of the loan would be an undue hardship.