--- title: "Meaning & Key Takeaway of: The combination of students who do not…" description: "\"“The combination of students who do not complete college and private colleges that do not deliver degrees that help their graduates gain employment in ..." image: "https://sms4smile.com/quotes/i/992/peter-temin-67299_debt_the-combination-of-students-who-do-not-c_864854.jpg" --- # The combination of students who do not complete college… ![“The combination of students who do not complete college and private colleges that do not deliver degrees that help their graduates gain employment in the FTE sector has left many poor students still in the low-wage sector but now burdened with student debts. These debts cannot be discharged unless…” quote by Peter Temin](https://sms4smile.com/quotes/i/992/peter-temin-67299_debt_the-combination-of-students-who-do-not-c_864854.jpg) [Download](https://sms4smile.com/quotes/i/992/peter-temin-67299_debt_the-combination-of-students-who-do-not-c_864854.jpg) [Open image](https://sms4smile.com/quotes/i/992/peter-temin-67299_debt_the-combination-of-students-who-do-not-c_864854.jpg) > ““The combination of students who do not complete college and private colleges that do not deliver degrees that help their graduates gain employment in the FTE sector has left many poor students still in the low-wage sector but now burdened with student debts. These debts cannot be discharged unless the former student can demonstrate 'undue hardship' from the loan. The statute does not define 'undue hardship,' and many courts use the Brunner test, derived from a 1987 opinion. This standard includes persistent poverty and a good-faith effort to pay the loan. In the view of some more recent opinions, this standard further requires hopelessness that conditions will improve. In other words, the students faces a double-bind: if she tries to transition to the FTE sector, she is hampered by her student loans. Only if she foregoes this ambition can the student loan be discharged. In New jersey, even death may not bring a reprieve from student loans.”” Peter Temin ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Students trapped by debt and inadequate degrees face a double bind between employment and loan discharge. **In simple terms:** Debt and poor education trap students in low‑wage jobs. Key Takeaway Address systemic gaps in education and loan policies. Themes education economics poverty policy employment Mood frustrated concerned Type analytical critical When to use this quote - College counseling - policy reform - financial literacy workshops - legal aid services Key Concepts Human capital financial hardship labor market legal standards Questions to Reflect On - How can policy better align education outcomes with labor market needs? - What reforms could reduce the burden of student debt? A Different Perspective The analysis may overlook individual agency and alternative pathways. ★ ★ ★ ★ ★ No ratings yet [Education](https://sms4smile.com/quotes/about/education/) [Poverty](https://sms4smile.com/quotes/about/poverty/) [Student loans](https://sms4smile.com/quotes/about/student-loans/) ## Related quotes > [You might say those who can't repay their student debts shouldn't have borrowed in the first place. 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