Tetzlaff Earned an MBA and a Law Degree Suing Student

Tetzlaff earned an MBA and a law degree suing student loans to finance the schooling. At the end, he could not find work, was living with his aged mother, and owed $260,000 in student loans. He filed for Chapter 7 bankruptcy and asked that the student loans be discharged as an undue hardship. The bankruptcy court and district court refused. The appeals court held that the debt would:

A) ​not be discharged because federal law prohibits discharge.
B) ​not be discharged because Tetzlaff had primary care responsibility for his aged mother.
C) ​be discharged because after 24 months of searching for work Tetzlaff could not find suitable employment.
D) ​be discharged because given all his other debts it was "most unlikely" he could ever repay the loans.
E) ​none of the other choices are correct.