Ema graduated from a very prestigious college and was in her second year of medical school. Ema's parents did not have the resources to help her pay for college. For the past six years, Ema survived using student loans and credit cards. Ema's latest student loan statement read that she owed over $100,000 in student loan debt. Ema attended a bankruptcy seminar. She decided to file a voluntary Chapter 7 petition. Ema's attorney said that her credit card debt would be discharged. The attorney was not sure about Ema's student loan debt. Ema received several deferments and forbearances on the loans but ultimately defaulted before making any payments. Under the federal bankruptcy laws, is Ema entitled to a discharge on her student loans? What additional facts could cause the decision to be more definite?