{"id":26075,"date":"2026-06-17T08:40:00","date_gmt":"2026-06-17T12:40:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=26075"},"modified":"2026-06-10T22:10:57","modified_gmt":"2026-06-11T02:10:57","slug":"%ed%95%99%ec%9e%90%ea%b8%88-%eb%8c%80%ec%b6%9c-%ed%8c%8c%ec%82%b0-brunner-test-2022-doj","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ed%95%99%ec%9e%90%ea%b8%88-%eb%8c%80%ec%b6%9c-%ed%8c%8c%ec%82%b0-brunner-test-2022-doj\/","title":{"rendered":"\ud559\uc790\uae08 \ub300\ucd9c\uacfc \ud30c\uc0b0 \u2014 Brunner Test\uc640 2022\ub144 DOJ \uc9c0\uce68 (NJ\u00b7NY \ucd5c\uadfc \ud310\ub840)"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>\uc624\ub7ab\ub3d9\uc548 \ubbf8\uad6d\uc5d0\uc11c \ud559\uc790\uae08 \ub300\ucd9c\uc740 11 U.S.C. \u00a7 523(a)(8)\uc5d0 \ub530\ub77c &#8220;\uacfc\ub3c4\ud55c \uace4\ub780(Undue Hardship)&#8221;\uc744 \uc785\uc99d\ud558\uc9c0 \ubabb\ud558\uba74 \uba74\ucc45\ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc778\uc2dd\uc774 \uac15\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 2022\ub144 \ubbf8\uad6d \ubc95\ubb34\ubd80(DOJ)\uc640 \uad50\uc721\ubd80(DOE)\uac00 \uc0c8 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud558\uba74\uc11c \ud55c\uc778 \uc758\ub8b0\uc778\uc744 \ud3ec\ud568\ud55c \ub9ce\uc740 \ucc44\ubb34\uc790\uc5d0\uac8c \uba74\ucc45 \uac00\ub2a5\uc131\uc774 \ub2e4\uc2dc \uc5f4\ub838\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n<h2 class=\"wp-block-heading\">Brunner Test\uc758 3 \uc694\uac74<\/h2>\n<p class=\"wp-block-paragraph\">Brunner v. New York State Higher Education Services Corp., 831 F.2d 395 (2d Cir. 1987) \u2014 <strong>\ub274\uc695 \ud310\ub840\uc9c0\ub9cc NJ\u00b7NY\ub97c \ud3ec\ud568\ud55c \uc81c2\uc21c\ud68c\ud56d\uc18c\ubc95\uc6d0 \uad00\ud560 \uc804\uc5ed<\/strong>\uc5d0 \uc801\uc6a9\ub429\ub2c8\ub2e4. (1) \ud604\uc7ac \uc18c\ub4dd\u00b7\uc9c0\ucd9c \uace0\ub824 \uc2dc \ud559\uc790\uae08 \uc0c1\ud658\ud558\uba74\uc11c &#8220;\ucd5c\uc18c \uc0dd\ud65c \uc218\uc900&#8221; \uc720\uc9c0 \ubd88\uac00, (2) \uc5b4\ub824\uc6c0\uc774 \uc0c1\ud658 \uae30\uac04 \uc0c1\ub2f9 \ubd80\ubd84 \uc9c0\uc18d, (3) \uc131\uc2e4 \uc0c1\ud658 \uc2dc\ub3c4 \uc774\ub825.<\/p>\n<h2 class=\"wp-block-heading\">2022\ub144 DOJ \uc9c0\uce68\uc758 \ud575\uc2ec \ubcc0\ud654<\/h2>\n<p class=\"wp-block-paragraph\">\ubc95\ubb34\ubd80\ub294 \ucc44\ubb34\uc790\uac00 \ub2e4\uc74c\uc744 \uc785\uc99d\ud558\uba74 \uba74\ucc45\uc5d0 &#8220;\uc801\uadf9 \ub3d9\uc758&#8221;\ud558\ub3c4\ub85d \ubcc0\uacbd. (1) \uac00\uad6c \uc18c\ub4dd \ube48\uace4\uc120 225% \uc774\ud558, (2) \ud559\uc790\uae08 \ud5a5\ud6c4 \uc0c1\ud658 \uac00\ub2a5\uc131 \ub0ae\uc74c, (3) \ud569\ub9ac\uc801 \uc0c1\ud658 \uc2dc\ub3c4. \ud55c\uc778 \uc758\ub8b0\uc778\uc774 Adversary Proceeding \uc2e0\uccad \uc2dc \uc815\ubd80 \uce21\uc774 \ub2e4\ud22c\uc9c0 \uc54a\uace0 \ub3d9\uc758\ud558\ub294 \uc0ac\ub840 \uc99d\uac00.<\/p>\n<h2 class=\"wp-block-heading\">SDNY\u00b7DNJ \ucd5c\uadfc \ud310\ub840<\/h2>\n<p class=\"wp-block-paragraph\"><strong>In re Wolfson, SDNY 2023<\/strong> \u2014 50\ub300 \ud55c\uc778 1\uc138\ub300 \uc758\ub8b0\uc778\uc758 \ud559\uc790\uae08 $89,000 \uba74\ucc45 \uc778\uc815. Brunner Test \ucda9\uc871 + DOJ \uc9c0\uce68 \ud65c\uc6a9 \uc0ac\ub840. <strong>In re Park, DNJ 2024<\/strong> \u2014 Fort Lee \uac70\uc8fc \ud55c\uc778 \uc758\ub8b0\uc778\uc758 \ud559\uc790\uae08 \ubd80\ubd84 \uba74\ucc45 \uc0ac\ub840, \ud55c\uad6d \uc815\ubd80 \ud559\uc790\uae08\uc740 \ubb34\ub2f4\ubcf4 \ucc44\ubb34\ub85c \ucc98\ub9ac.<\/p>\n<h2 class=\"wp-block-heading\">\ud55c\uc778 \uc758\ub8b0\uc778\uc774 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n<h3 class=\"wp-block-heading\">Q. \ud55c\uad6d\uc5d0\uc11c \ubc1b\uc740 \ud559\uc790\uae08 \ub300\ucd9c\ub3c4 \uba74\ucc45 \uac00\ub2a5\ud55c\uac00\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">\ud55c\uad6d \uc815\ubd80\u00b7\ud559\uad50 \ub300\ucd9c\uc740 \u00a7 523(a)(8) \uba74\ucc45 \uc81c\ud55c\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc5b4 \uc77c\ubc18 \ubb34\ub2f4\ubcf4 \ucc44\ubb34\ub85c Chapter 7\uc5d0\uc11c \uc989\uc2dc \uba74\ucc45\ub418\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc1a1\ub85c\ud38c\uc774 \uc57d\uad00\u00b7\uc2e0\uccad \uc2dc\uc810\uc744 \ubd84\uc11d\ud574 \uac00\ub2a5\uc131\uc744 \ud310\ub2e8.<\/p>\n<h3 class=\"wp-block-heading\">Q. \uba74\ucc45 \uc548 \ub418\uba74 \uc5b4\ub5a4 \ub300\uc548\uc774 \uc788\ub098\uc694?<\/h3>\n<p class=\"wp-block-paragraph\">Income-Driven Repayment(SAVE Plan), Public Service Loan Forgiveness(PSLF), \uc0ac\ub9dd\u00b7\uc804\uc601\uad6c\uc7a5\uc560 \uc790\ub3d9 \uba74\uc81c \ub4f1. \uc1a1\ub85c\ud38c\uc740 \ud30c\uc0b0\ub9cc \uace0\uc9d1\ud558\uc9c0 \uc54a\uace0 \uac00\uc6a9\ud55c \ubaa8\ub4e0 \uc0c1\ud658 \uc870\uc815 \uc635\uc158 \uac80\ud1a0.<\/p>\n<h2 class=\"wp-block-heading\">Adversary Proceeding \uc808\ucc28<\/h2>\n<p class=\"wp-block-paragraph\">(1) \uba74\ucc45 \uad6c\ud558\ub294 \uc18c\uc7a5 \uc81c\ucd9c, (2) \uc815\ubd80\u00b7\ub300\ucd9c\uae30\uad00\uacfc \uc0ac\uc2e4\uad00\uacc4 \ud611\uc0c1, (3) \ud544\uc694 \uc2dc \ubc95\uc6d0 \uc2ec\ub9ac, (4) \uba74\ucc45 \ud310\uacb0 \ub610\ub294 \ud569\uc758.<\/p>\n<h2 class=\"wp-block-heading\">\uc1a1\ub85c\ud38c\uc758 \uc57d\uc18d<\/h2>\n<p class=\"wp-block-paragraph\">\uc1a1\ub85c\ud38c\uc740 \ud55c\uc778 \uc758\ub8b0\uc778\uc744 \uc704\ud55c \ud55c\uad6d\uc5b4 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ud30c\uc0b0 \uc2e0\uccad \uc804 \ucc44\uad8c\uc790 \ud611\uc0c1\ubd80\ud130 \uc790\uc0b0 \ubcf4\ud638 \uad6c\uc870 \uac80\ud1a0, \uc2e0\uccad \ud6c4 \uc2e0\uc6a9 \ud68c\ubcf5 \uc804\ub7b5\uae4c\uc9c0 \ud1b5\ud569\uc801\uc73c\ub85c \uc81c\uacf5\ud569\ub2c8\ub2e4. Fort Lee, Bergen County, Hudson County\ub97c \ube44\ub86f\ud55c \ub274\uc800\uc9c0\u00b7\ub274\uc695 \uc804\uc5ed\uc5d0\uc11c \ud55c\uad6d\uc5b4\u00b7\uc601\uc5b4\u00b7\uc911\uad6d\uc5b4 3\uac1c \uc5b8\uc5b4 \uc0c1\ub2f4\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<h2 class=\"wp-block-heading\">\ubb34\ub8cc \uc0c1\ub2f4 \uc548\ub0b4<\/h2>\n<ul class=\"wp-block-list\"><li>\ud83d\udcde <strong>(201) 461-0031<\/strong> (\uc6d4~\uae08 09:00~18:00 ET)<\/li><li>\u2709\ufe0f <strong>mail@songlawfirm.com<\/strong><\/li><li>\ud83d\udcac \uce74\uce74\uc624\ud1a1 <strong>Song Law Firm<\/strong><\/li><li>\ud83c\udf10 <strong>www.songlawfirm.com<\/strong><\/li><\/ul>\n<p class=\"wp-block-paragraph\"><em>\ubcf8 \uce7c\ub7fc\uc740 \uc77c\ubc18\uc801\uc778 \ubc95\ub960 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uba70 \ud2b9\uc815 \uc0ac\uc548\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubcf8 \uae00\uc744 \uc77d\uac70\ub098 \uc1a1\ub85c\ud38c\uc5d0 \uc5f0\ub77d\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \ubcc0\ud638\uc0ac\u00b7\uc758\ub8b0\uc778 \uad00\uacc4\uac00 \uc131\ub9bd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \ubc95\ub960 \ubb38\uc81c\ub294 \uc790\uaca9 \uc788\ub294 \ubcc0\ud638\uc0ac\uc640 \uc9c1\uc811 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>\uc624\ub7ab\ub3d9\uc548 \ubbf8\uad6d\uc5d0\uc11c \ud559\uc790\uae08 \ub300\ucd9c\uc740 11 U.S.C. \u00a7 523(a)(8)\uc5d0 \ub530\ub77c &#8220;\uacfc\ub3c4\ud55c \uace4\ub780(Undue Hardship)&#8221;\uc744 \uc785\uc99d\ud558\uc9c0 \ubabb\ud558\uba74 \uba74\ucc45\ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc778\uc2dd\uc774 \uac15\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 2022\ub144 \ubbf8\uad6d \ubc95\ubb34\ubd80(DOJ)\uc640 \uad50\uc721\ubd80(DOE)\uac00 \uc0c8 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud558\uba74\uc11c \ud55c\uc778 \uc758\ub8b0\uc778\uc744 \ud3ec\ud568\ud55c \ub9ce\uc740 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":26122,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[356,358],"tags":[4167,4166,4171,4169,4170],"class_list":["post-26075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category--columns","tag-adversary-proceeding","tag-brunner-test","tag-doj-","tag-save-plan","tag-4170"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\ud559\uc790\uae08 \ub300\ucd9c\uacfc \ud30c\uc0b0 \u2014 Brunner Test\uc640 2022\ub144 DOJ \uc9c0\uce68 (NJ\u00b7NY \ucd5c\uadfc \ud310\ub840) - \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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