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This document is a court order from the United States Court of Appeals for the Tenth Circuit regarding a debtor, Roxann Roe, seeking to discharge approximately $88,000 in student loans through bankruptcy. The bankruptcy court and district court both found that Roe did not meet the legal standard of "undue hardship" required to discharge student loans. The appeals court affirmed, finding that while Roe maintained a minimal standard of living, she failed to prove that her circumstances preventing repayment we

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