My client, seventy (70) year old Sulphur Springs Texas resident, working full time at a local department store sought Chapter 7 bankruptcy protection from Sallie Mae and TERI/NCT, student loan creditors. (TERI stands for The Education Resources Institute; NCT means National Collegiate Trust). A discharge under Chapter 7 or Chapter 13 does not discharge student loans unless it is shown that repayment of student loans imposes an undue hardship on the debtor or his or her dependents by filing an adversary proceeding. In December 2009 TERI/NCT consented to judgment discharging approximately $41,200. In March 2010, Sallie Mae settled its $27,099.97 student loan debt for $4,500 with the Sulphur Springs Texas debtor.