{"id":28368,"date":"2026-09-26T13:00:00","date_gmt":"2026-09-26T17:00:00","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=28368"},"modified":"2026-09-17T18:32:52","modified_gmt":"2026-09-17T22:32:52","slug":"bankruptcy-success-student-loan-discharge-2026-09-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/bankruptcy-success-student-loan-discharge-2026-09-ko\/","title":{"rendered":"\ud559\uc790\uae08 \ub300\ucd9c \ud30c\uc0b0 \uba74\ucc45 \uc131\uacf5\uc0ac\ub840 \u2014 Brunner \ud14c\uc2a4\ud2b8 3\uc694\uac74\uacfc 2022 DOJ \uac00\uc774\ub4dc\ub77c\uc778"},"content":{"rendered":"<div class=\"slf-article slf-bankruptcy-success\">\n<p style=\"font-size:11px;letter-spacing:.3em;color:#98344A;font-weight:700;margin:0 0 8px;\">\ud30c\uc0b0\ubc95 \uc131\uacf5\uc0ac\ub840 \u00b7 \uc1a1\ub85c\ud38c<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc758\ub8b0\uc778 \ud504\ub85c\ud30c\uc77c<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">40\ub300 \ucd08\ubc18, \ub274\uc800\uc9c0 \uac70\uc8fc. \ud559\ubd80\u00b7\ub300\ud559\uc6d0 \uacfc\uc815\uc5d0\uc11c \ub204\uc801\ub41c \uc5f0\ubc29 \ud559\uc790\uae08 \ub300\ucd9c\uc744 20\uc5ec \ub144 \uc0c1\ud658\ud588\uc73c\ub098 \uc6d0\uae08\uc774 \uc624\ud788\ub824 \uc99d\uac00\ud55c \uc0c1\ud0dc. \ub9cc\uc131 \uc790\uac00\uba74\uc5ed\uc9c8\ud658 \uc9c4\ub2e8 \ud6c4 \uadfc\ub85c \ub2a5\ub825\uc774 \uc808\ubc18 \uc774\ud558\ub85c \ucd95\uc18c\ub418\uc5b4 SSDI(\uc0ac\ud68c\ubcf4\uc7a5 \uc7a5\uc560\uae09\uc5ec) \uc218\uae09 \uc911.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc0ac\uac74 \ubc30\uacbd<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\ud559\uc790\uae08 \ub300\ucd9c\uc740 \ud30c\uc0b0\ubc95 \u00a7523(a)(8)\uc5d0 \ub530\ub77c \uc6d0\uce59\uc801\uc73c\ub85c \uba74\ucc45 \ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 <strong>&quot;\ucc44\ubb34\uc790\uc640 \ubd80\uc591\uac00\uc871\uc5d0\uac8c \ubd80\ub2f9\ud55c \uace4\ub780(undue hardship)&quot;<\/strong> \uc744 \uc18c\uba85\ud558\uba74 \uc608\uc678\uc801\uc73c\ub85c \uba74\ucc45\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc758\ub8b0\uc778\uc740 income-driven repayment (IDR) \uacc4\ud68d\uc744 \uc5ec\ub7ec \ucc28\ub840 \ubcc0\uacbd\ud588\uc9c0\ub9cc \uc6d4 \uc0c1\ud658\uc561\uc744 \uac10\ub2f9\ud558\uc9c0 \ubabb\ud588\uace0, 20\ub144 IDR \uc0c1\ud658 \ud6c4 \uc794\uc561\uc774 \uc5ec\uc804\ud788 \uc6d0\uae08\uc744 \ucd08\uacfc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\ubc95\uc801 \uc7c1\uc810 \u2014 Brunner 3-Prong Test<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc81c2\u00b73\uc21c\ud68c\uad6c \ud45c\uc900\uc778 <strong>Brunner v. New York State Higher Educ. Servs. Corp., 831 F.2d 395 (2d Cir. 1987)<\/strong> \uae30\uc900\uc744 \ub274\uc800\uc9c0 \ud30c\uc0b0\ubc95\uc6d0\ub3c4 \uc801\uc6a9\ud569\ub2c8\ub2e4. \uc138 \uc694\uac74 \ubaa8\ub450\ub97c \uc6d0\uace0\uac00 \uc785\uc99d\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>\u2460 Minimal standard of living<\/strong> \u2014 \ud604\uc7ac \uc18c\ub4dd\uc73c\ub85c \ub300\ucd9c\uc744 \uc0c1\ud658\ud558\uba74 \ucc44\ubb34\uc790\uc640 \ubd80\uc591\uac00\uc871\uc774 \ucd5c\uc800 \uc0dd\ud65c\uc218\uc900\uc744 \uc720\uc9c0\ud560 \uc218 \uc5c6\uc74c<\/li>\n<li style=\"margin:5px 0;\"><strong>\u2461 Additional circumstances<\/strong> \u2014 \uc0c1\ud658 \uae30\uac04 \uc0c1\ub2f9 \ubd80\ubd84\uc5d0 \uac78\uccd0 \uc774\ub7ec\ud55c \uc0c1\ud0dc\uac00 \uc9c0\uc18d\ub420 \uac83\uc774\ub77c\ub294 \ubd80\uac00 \uc0ac\uc815<\/li>\n<li style=\"margin:5px 0;\"><strong>\u2462 Good faith<\/strong> \u2014 \uacfc\uac70 \uc131\uc2e4\ud55c \uc0c1\ud658 \ub178\ub825<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc1a1\ub85c\ud38c \ub300\uc751 \u2014 2022 DOJ \uac00\uc774\ub4dc\ub77c\uc778 \uc801\uadf9 \ud65c\uc6a9<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>2022\ub144 11\uc6d4 \ubbf8\uad6d \ubc95\ubb34\ubd80(DOJ)\uac00 \ubc1c\ud45c\ud55c \uc0c8 \ud559\uc790\uae08 \ub300\ucd9c \uba74\ucc45 \uc9c0\uce68<\/strong>\uc740 \uad50\uc721\ubd80\uc640 \ud611\ub825\ud558\uc5ec \uc694\uac74 \ud310\ub2e8\uc744 \ud45c\uc900\ud654\ud55c \ud68d\uae30\uc801 \ubcc0\ud654\uc785\ub2c8\ub2e4. Attestation \uc591\uc2dd\uc744 \ud1b5\ud574 \ud45c\uc900\ud654\ub41c \uc11c\ub958 \uc81c\ucd9c\ub85c\ub3c4 3\uc694\uac74\uc744 \uc18c\uba85\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc1a1\ub85c\ud38c\uc740 \ub2e4\uc74c 3-\ud2b8\ub799 \uc804\ub7b5\uc744 \uad6c\ucd95\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>\ud2b8\ub799 1 \u2014 Attestation \uc11c\ub958 \uc644\ube44.<\/strong> DOJ Attestation Form\uc758 \uac01 \ud56d\ubaa9\uc5d0 \uc0c1\uc138 \uc7ac\uc815 \uc790\ub8cc\u00b7\uc758\ub8cc \uae30\ub85d\u00b7SSDI \uacb0\uc815\uc11c\ub97c \ucca8\ubd80\ud558\uc5ec \ud45c\uc900 \uc694\uac74\uc744 \ucda9\uc871\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\"><strong>\ud2b8\ub799 2 \u2014 Medical evidence.<\/strong> \uc8fc\uce58\uc758 \ubc0f \uc804\ubb38\uc758 \uc9c4\uc220\uc11c\ub85c \uadfc\ub85c \ub2a5\ub825 \ucd95\uc18c\uc758 \uc9c0\uc18d\uc131\uc744 \uc785\uc99d. Additional circumstances \uc694\uac74\uc5d0 \uacb0\uc815\uc801\uc73c\ub85c \uc791\uc6a9\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\"><strong>\ud2b8\ub799 3 \u2014 Good faith \uc11c\uc0ac \uad6c\ucd95.<\/strong> 20\uc5ec \ub144\uc758 \uc0c1\ud658 \uc774\ub825, IDR \uc7ac\uc2e0\uccad \uae30\ub85d, deferment\/forbearance \ud65c\uc6a9 \uc774\ub825\uc744 \uc2dc\uac04\uc21c\uc73c\ub85c \uc815\ub9ac\ud558\uc5ec \uc131\uc2e4 \ub178\ub825\uc744 \uc11c\uba74\ud654\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\ucc98\ub9ac \uacfc\uc815<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>Adversary proceeding \uac1c\uc2dc.<\/strong> \ud30c\uc0b0\ubc95 \uaddc\uce59 7001(6)\uc5d0 \ub530\ub77c \ud559\uc790\uae08 \ub300\ucd9c \uba74\ucc45\uc740 \ubcc4\ub3c4 \uc18c\uc1a1\uc73c\ub85c \uc9c4\ud589\ub429\ub2c8\ub2e4. \ub300\ucd9c \uc11c\ube44\uc11c(loan servicer)\ub97c \uc0c1\ub300\ub85c \uc18c\uc7a5 \uc811\uc218.<\/li>\n<li style=\"margin:5px 0;\"><strong>Discovery \ub2e8\uacc4.<\/strong> \ub300\ucd9c \uc6d0\uc7a5(payment history), IDR \uc2b9\uc778 \uae30\ub85d, deferment \ubb38\uc11c \uc804\ub7c9\uc744 discovery \uc694\uccad \ud6c4 \uc815\ub9ac.<\/li>\n<li style=\"margin:5px 0;\"><strong>DOJ\uc640 \uc0ac\uc804 \ud611\uc758.<\/strong> \uc0c8 \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub530\ub77c DOJ \ub2f4\ub2f9\uad00\uacfc \uad50\uc721\ubd80\uc5d0 Attestation \uc81c\ucd9c. Recommended discharge \uc758\uacac \ud68d\ub4dd.<\/li>\n<li style=\"margin:5px 0;\"><strong>Consent judgment.<\/strong> \ub300\ucd9c \uc11c\ube44\uc11c\uac00 \uc774\uc758\ub97c \ucca0\ud68c\ud558\uace0 \ubc95\uc6d0\uc758 \ub3d9\uc758\ud310\uacb0(consent judgment)\ub85c \ud559\uc790\uae08 \ub300\ucd9c \uc804\uc561 \uba74\ucc45 \uacb0\uc815.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uacb0\uacfc<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>\uc5f0\ubc29 \ud559\uc790\uae08 \ub300\ucd9c \uc804\uc561 \uba74\ucc45 \ud310\uacb0 \ud655\uc815.<\/strong> \ud30c\uc0b0\ubc95 \u00a7523(a)(8) \uc608\uc678 \uc778\uc815. \ucd94\uac00\ub85c \ucc44\ubb34\uc790\ub294 \ud30c\uc0b0 \uc808\ucc28\uc758 \ub2e4\ub978 \ubb34\ub2f4\ubcf4 \ucc44\ubb34\ub3c4 \uba74\ucc45\ub418\uc5b4 \uc7ac\uc815 \uc7ac\ucd9c\ubc1c\uc774 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc2e4\ubb34 \uc2dc\uc0ac\uc810<\/h2>\n<ul style=\"margin:8px 0 12px;padding-left:22px;color:#333;line-height:1.75;\">\n<li style=\"margin:5px 0;\"><strong>2022 DOJ \uac00\uc774\ub4dc\ub77c\uc778\uc740 \uac8c\uc784 \uccb4\uc778\uc800\uc785\ub2c8\ub2e4.<\/strong> \uc774\uc804 \ud310\ub840\ubc95 \uc544\ub798\uc5d0\uc11c\ub294 \ud559\uc790\uae08 \ub300\ucd9c \uba74\ucc45 \uc131\uacf5\ub960\uc774 \ub9e4\uc6b0 \ub0ae\uc558\uc73c\ub098, Attestation \ud45c\uc900\ud654 \uc774\ud6c4 \uc2b9\uc778 \uc0ac\ub840\uac00 \ud06c\uac8c \ub298\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\"><strong>\uc758\ub8cc\u00b7\uc7a5\uc560 \uc790\ub8cc\uac00 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/strong> SSDI \uacb0\uc815\uc11c, \uc8fc\uce58\uc758 \uc9c4\uc220\uc11c, \uc9c0\uc18d\uc131 \uc18c\uacac\uc774 additional circumstances \uc694\uac74 \uc785\uc99d\uc758 \uacb0\uc815\uc801 \uc99d\uac70\uac00 \ub429\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\"><strong>Good faith \uc11c\uc0ac\ub294 \uc2dc\uac04\uc21c\uc73c\ub85c \uad6c\ucd95\ud558\uc138\uc694.<\/strong> \uacfc\uac70 \uc0c1\ud658 \ub178\ub825\uc758 \uae30\ub85d\uc774 \ud769\uc5b4\uc838 \uc788\uc73c\uba74 \uc7ac\uad6c\uc131\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li style=\"margin:5px 0;\"><strong>Adversary proceeding\uc740 \uc77c\ubc18 \ud30c\uc0b0 \uc2e0\uccad\uacfc \ubcc4\uac1c\uc785\ub2c8\ub2e4.<\/strong> Chapter 7\u00b713 \uc2e0\uccad\uacfc \ubcd1\ud589\ud558\uc5ec \ubcc4\ub3c4 \uc18c\uc1a1\uc744 \uc81c\uae30\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2 style=\"color:#1a1a1a;font-size:22px;margin:32px 0 12px;border-left:4px solid #98344A;padding-left:12px;font-weight:700;\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>Q1. Chapter 7\uacfc Chapter 13 \uc911 \uc5b4\ub290 \uac83\uc774 \ud559\uc790\uae08 \ub300\ucd9c \uba74\ucc45\uc5d0 \uc720\ub9ac\ud55c\uac00\uc694?<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc5b4\ub290 \uc720\ud615\uc5d0\uc11c\ub4e0 \ud559\uc790\uae08 \ub300\ucd9c\uc740 \ubcc4\ub3c4 adversary proceeding\uc73c\ub85c \ub2e4\ub904\uc9d1\ub2c8\ub2e4. \ub2e4\ub9cc Chapter 7\ub294 \uc808\ucc28\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \uc2e0\uc18d\ud558\uace0 disposable income \uc2ec\uc0ac\uac00 \uc5c6\uc5b4 \ub2e8\uc21c\ud55c \uacbd\uc6b0 \uc720\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>Q2. \uc0ac\ub9bd \ud559\uc790\uae08 \ub300\ucd9c(private student loans)\ub3c4 \uba74\ucc45 \uac00\ub2a5\ud55c\uac00\uc694?<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0ac\ub9bd \ub300\ucd9c\uc774 <strong>qualified education loan<\/strong>\uc758 \uc815\uc758\ub97c \ucda9\uc871\ud558\uc9c0 \ubabb\ud558\uba74 \ud30c\uc0b0\ubc95 \u00a7523(a)(8) \uc608\uc678\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc77c\ubc18 \ubb34\ub2f4\ubcf4 \ucc44\ubb34\ub85c \ucde8\uae09\ub429\ub2c8\ub2e4. \uac01 \ub300\ucd9c\uc758 \uc6d0 \uacc4\uc57d\uc11c \uac80\ud1a0\uac00 \ud544\uc218\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>Q3. 2022 DOJ \uac00\uc774\ub4dc\ub77c\uc778\uc774 \ub274\uc800\uc9c0 \ud30c\uc0b0\ubc95\uc6d0\uc5d0\ub3c4 \uc801\uc6a9\ub418\ub098\uc694?<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">Yes. DOJ\ub294 \ubbf8\uad6d \uc804\uc5ed\uc758 \ud30c\uc0b0 \uc0ac\uac74\uc5d0\uc11c \uc6d0\uace0(\uad50\uc721\ubd80) \uce21 \uc758\uacac\uc744 \ud45c\uba85\ud558\uba70, \uc0c8 \uc9c0\uce68\uc740 \uc804\uad6d \ud45c\uc900\uc785\ub2c8\ub2e4. \ub274\uc800\uc9c0 \ud30c\uc0b0\ubc95\uc6d0\ub3c4 \uc2e4\ubb34\uc0c1 \uc774 \uc9c0\uce68\uc744 \uc874\uc911\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>Q4. SSDI\ub9cc\uc73c\ub85c \ubd80\ub2f9\ud55c \uace4\ub780\uc774 \uc778\uc815\ub418\ub098\uc694?<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">SSDI \uc218\uae09 \uc790\uccb4\uac00 \uc790\ub3d9 \uba74\ucc45\uc744 \ubcf4\uc7a5\ud558\uc9c0\ub294 \uc54a\uc9c0\ub9cc, \uc9c0\uc18d\uc131(additional circumstances) \uc694\uac74 \uc785\uc99d\uc5d0 \ub9e4\uc6b0 \uc720\ub9ac\ud55c \uc815\ud669\uc99d\uac70\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\"><strong>Q5. Attestation \uc11c\ub958 \uc900\ube44 \uae30\uac04\uc774 \uc5bc\ub9c8\ub098 \uac78\ub9ac\ub098\uc694?<\/strong><\/p>\n<p style=\"line-height:1.85;color:#2a2a2a;margin:10px 0 14px;font-size:15.5px;\">\uc0ac\uac74\ubcc4 \uc0c1\uc774\ud558\ub098 \uc7ac\uc815\u00b7\uc758\ub8cc \uc790\ub8cc \uc218\uc9d1\uc5d0 \ud1b5\uc0c1 6~12\uc8fc\uac00 \uc18c\uc694\ub429\ub2c8\ub2e4. \uc11c\ub450\ub974\uc9c0 \ub9d0\uace0 \uc644\ube44\ud558\uc5ec \uc81c\ucd9c\ud558\ub294 \uac83\uc774 \uc2b9\uc778 \ud655\ub960\uc744 \ub192\uc785\ub2c8\ub2e4.<\/p>\n<div style=\"background:#fafaf7;border-left:4px solid #98344A;padding:24px 26px;margin:36px 0 24px;border-radius:6px;\">\n<p style=\"margin:0 0 8px;font-size:14px;letter-spacing:.2em;color:#98344A;font-weight:700;\">SONG LAW FIRM \u00b7 \uc1a1\ub85c\ud38c<\/p>\n<p style=\"margin:0 0 12px;font-size:18px;color:#1a1a1a;font-weight:700;\">\ud30c\uc0b0\u00b7\ud559\uc790\uae08 \ub300\ucd9c \uc0c1\ub2f4\uc774 \ud544\uc694\ud558\uc2ed\ub2c8\uae4c?<\/p>\n<p style=\"margin:0;font-size:15px;color:#333;line-height:1.7;\">\ud83d\udcde <strong>201.461.0031<\/strong> &nbsp;\u00b7&nbsp; \u2709 <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">mail@songlawfirm.com<\/a> &nbsp;\u00b7&nbsp; \ud83c\udf10 <a href=\"https:\/\/songlawfirm.com\" style=\"color:#98344A;text-decoration:none;\">songlawfirm.com<\/a><br \/>\ud83d\udccd Parker Plaza, 400 Kelby Street, Suite 1900, Fort Lee, NJ 07024<\/p>\n<\/div>\n<div style=\"margin:32px 0 8px;padding:16px 18px;background:#f5f5f2;border:1px solid #e5e5e2;border-radius:4px;font-size:12.5px;line-height:1.65;color:#555;\"><strong style=\"color:#333;\">\uba74\ucc45 \uace0\uc9c0<\/strong> \u00b7 \ubcf8 \uc131\uacf5\uc0ac\ub840\ub294 \ub274\uc800\uc9c0 \ud30c\uc0b0\ubc95\uc5d0 \uad00\ud55c \uc77c\ubc18 \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uba70, \uac1c\ubcc4 \uc0ac\uac74\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ubc95\ub960\u00b7\uaddc\uc815\u00b7\ud310\ub840\ub294 \uc218\uc2dc\ub85c \ubcc0\uacbd\ub418\ubbc0\ub85c \uc2dc\uc810\uc5d0 \ub530\ub77c \ub0b4\uc6a9\uc774 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. 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