OPINION
D. JOSEPH DeVITO, Bankruptcy Judge.
Plaintiff debtor Marc Philip Rappaport seeks a discharge of certain educational debts contracted as student educational loans guaranteed by the New Jersey Higher Education Assistance Authority (HEAA). The parties having stipulated to all material facts, the sole question of law presented deals with the dischargeability vel non of those debts. The facts (undisputed) are as follows:
1. On November...
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