MEMORANDUM AND DECISION
EDWARD D. HAYES, Bankruptcy Judge.
The debtors filed a complaint to have an educational loan debt declared dischargeable as an undue hardship under 11 U.S.C. § 523(a)(8)(B). The New York State Higher Education Services Corporation (NYSHESC) answered that repayment of the educational loan would not be an undue hardship. The hearing was held and submitted for decision.
The facts are as follows. The debtors filed a joint...
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