In an attempt to “read between the lines”, I suspect that the Ohio Supreme Court Board of Commissioners On Character and Fitness do not view the law grad as a person of reprehensible character because they explicitly permit her to reapply for clearance to sit for the Ohio bar exam in 5 years.
Maybe this is commonplace in these type of matters in Ohio, or maybe the Ohio Supreme Court Board of Commissioners anticipate that within that 5 year period of time that the courts or Congress will change the bankruptcy laws back to their pre-2006 standards which treated student loan debt as dischargeable.
It is noteworthy that the first determination by two county bar members who interviewed her was that the law grad, Cynthia Rogers, was fit to sit for the state bar exam.