million to get it through the congress. before the bill was passed judges determined if a bankruptcy filing was abusive and should be dismissed. thanks to lobbying from the high-interest lenders the standard was changed to rigid means test of filer's income. it gave judges leslieway to consider facts of a particular case. i also imposed burdensome paperwork requirement and put liability on bankruptcy attorneys. the result was exactly what the credit card companies had intended. filing for interruption took longer and cost more. therefore, this was the real point, fewer people could afford to do it. so in the bill's provisions were obviously cruel, the new law prevented young people discharging student loan debt through bankruptcy. even unwise and unfair loans from private lenders. bankruptcy could not erase them. that meant that 18-year-olds who had been pressured for taking on life destroying