In the instant case, Debtor is employed by a fellow church member who understands the impact that Debtor's illness has on her ability to work. But for this contact Debtor could be in a worse financial position. Although the tithing to her church did not begin until after bankruptcy was filed, the Court finds that Debtor is a deeply religious person and such a contribution is reasonable under the circumstances. As to the remaining disputed expenses, the Court finds that Debtor's listed living expenses are necessary and reasonable. Considering the additional facts and circumstances unique to Debtor's situation, the Court finds a number of factors necessitate a finding of undue hardship.
Debtor is hampered with a serious mental illness.
Her condition is likely to persist throughout her entire lifetime. Although this Court agrees that bipolar disorder standing by itself is insufficient for a finding of undue hardship, Debtor has demonstrated that her condition is severely debilitating. This Court also finds that Debtor has presented credible evidence and has acted with the requisite amount of good faith. However, this case is exceptional due to the severity of Debtor's illness. Further, the Court is convinced that Debtor's poor judgment in acquiring the most recent loans is attributable to Debtor's disorder and is not an indicia of bad faith.