Brunner Test Calculator
Organize your present finances, future circumstances, and repayment efforts using the structure of the Department of Justice’s May 2025 attestation. This tool gives no score or verdict.
Question 1 of 9
Quick read
Which student loans are you assessing?
Why we ask
The kind of loan decides which process applies. Federal loans held by the Department of Education use a standardized undue-hardship process; private loans need classification first. Nothing is selected for you, and “Not sure” is a valid answer.
What This Assessment Does
The worksheet separates the three Brunner prongs: present ability to maintain a minimal standard of living, circumstances affecting future ability to repay, and prior repayment efforts. It also inventories assets and missing documentation.
The output is deliberately descriptive. It does not decide whether an expense will be allowed, whether a presumption will be rebutted, whether conduct shows good faith, or whether a court will discharge a loan.
Read More About Undue Hardship
Review the Brunner test, how undue hardship is proved, the federal student-loan bankruptcy attestation, and the adversary-proceeding process.
Brunner Test Calculator FAQs
No. It organizes information commonly used in an undue-hardship analysis. It does not provide a score, probability, recommendation, or legal conclusion.
No. This is a private self-assessment modeled on parts of the form's structure. It is not a court filing, does not include a declaration under penalty of perjury, and is not transmitted to a court or the government.
The May 2025 attestation identifies five facts that support a rebuttable presumption about future inability to repay. Q19 lists additional reasons without calling them presumptions. The calculator preserves that distinction.
It is arithmetic based on what you entered. The Department attorney may evaluate National Standards, Local Standards, documentation, explanations, and other necessary expenses differently. The number is not a ruling or prediction.
No. The bankruptcy court must make an independent undue-hardship determination. A government recommendation or stipulation does not replace the court's role.
Articles
