In this case, the petitioner went to law school and simply decided being a lawyer wasn't for him.
A medical school graduate could declare that they want to pursue a career in music, thus making them qualify for both #2 and #3. #1 perhaps not, but "good faith" is pretty squishy.
1. Good faith efforts to repay the loan.
2. Present lack of funds to pay.
3. Unlikely to be able to pay going forward.
A newly minted medical school graduate would not pass any of these tests execpt perhaps #2.