MEMORANDUM-OPINION
DAVID T. STOSBERG, Bankruptcy Judge.
This adversary proceeding for determination of undue hardship in regards to the discharge of student loans was filed by the plaintiff on July 27, 1990. On September 3, 1991, this case was tried before the Court and thereafter the parties filed post-trial memoranda. The plaintiff, Kyle T. Berthiaume, his wife, Deborha L. Craig-Berthiaume, were the only two witnesses. The parties had previously stipulated...
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