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MATTER OF SANDS

Bankruptcy No. GK 92-86947. Adv. Nos. 93-8053 to 93-8058 and 93-8071.

166 B.R. 299 (1994)

In the Matter of William Clyde SANDS, Jr., Debtor. William Clyde SANDS, Jr., Plaintiff, v. UNITED STUDENT AID FUNDS, INC., as Guarantor for Student Loan Marketing Association, Defendant (Three Cases). William Clyde SANDS, Jr., Plaintiff, v. INB NATIONAL BANK, Defendant. William Clyde SANDS, Jr., Plaintiff, v. INDIANA NATIONAL BANK, Defendant. William Clyde SANDS, Jr., Plaintiff, v. ANDREWS UNIVERSITY, Defendant.

United States Bankruptcy Court, W.D. Michigan.

March 31, 1994.

Attorney(s) appearing for the Case

William Clyde Sands, Jr., in pro. per., for plaintiff/debtor.

Deborah L. Gray-Olker, Kalamazoo, MI, for defendant United Student Aid Funds, Inc.

John T. Burhans, St. Joseph, MI, for defendant Andrews University.

OPINION REGARDING HARDSHIP DISCHARGEABILITY OF STUDENT LOANS

JAMES D. GREGG, Bankruptcy Judge.

I. ISSUE

The issue before the court is whether the Debtor's various student loan obligations are dischargeable because repayment would constitute an "undue hardship". The court has decided to render a written opinion because, to date, there are no reported decisions discussing the issue in this district.

II. JURISDICTION

This...

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