The problem with the Brunner test is that it is very rarely applied, and applied inconsistently. The test itself is incredibly vague in specifics and is pretty much at the discretion of the judges, who generally always rule on the side of the government, which makes sense, the government pays their salary.

I have one friend who is permanently disabled and spent 4 years trying to get his student loans forgiven. He gave up and fled the USA.

The courts have fought tooth and nail in the interest of their corporate overlords to prevent the Brunner test being invoked.

If more judges do the right thing and allow the Brunner test to actually be applied, it will have a significant impact.