In in Re Jones Jones Graduated from College and Then

question 5

Multiple Choice

In In re Jones Jones graduated from college and then went to law school.He graduated from law school but was unable to pass the bar exam.Over the next decade he worked various jobs before going back to school again for a masters.Jones took out student loans to pay for his education,resulting in $140,000 of debt.He filed for bankruptcy and sought to have the student loans discharged for "undue hardship." The court held that the undue hardship standard:

• A) had been met because the amount of money owed was too much for a person in their 50s to be able to pay.
• B) had been met because Jones demonstrated that he has made diligent efforts to find employment.
• C) had not been met because a healthy, educated, employable man paying back the loans would not amount to undue hardship.
• D) is not applicable to student loans and therefore Jones could not discharge the debt

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Definitions:

Trojan

A virus program that appears to be a normal application but that, when executed, changes something. It does not replicate but could gather information that could later be used to hack into someone’s computer.

Multifactor Authentication

A security system requiring more than one method of authentication from independent categories of credentials to verify the user's identity.

Password/PIN

Security measures used to protect access to devices and accounts, consisting of a secret series of characters (password) or numbers (PIN) known only to the user.

Smart Card

A small ID-size card that can store data, be encrypted, and swiped through and/or interact wirelessly with a smart card reader. Examples of smart cards are identification, medical, credit, and access card.