MEMORANDUM OF OPINION
ARTHUR I. HARRIS, Bankruptcy Judge.
The plaintiff, John A. Grove, filed this adversary proceeding seeking a discharge of his student loan debt, now in excess of $173,000, as an undue hardship pursuant to 11 U.S.C. § 523(a)(8). In lieu of trial testimony, the parties agreed to have this matter heard on joint stipulations as well as the depositions of the parties' two medical experts. For the reasons that follow,
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