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IN RE SALINAS

Bankruptcy No. 98-53293-7. Adversary No. 98-5159-7.

240 B.R. 305 (1999)

In re Kenneth J. SALINAS and Jane Ann Manning, Debtors. Kenneth J. Salinas, Plaintiff, v. United Student Aid Funds, Inc., Defendant.

United States Bankruptcy Court, W.D. Wisconsin.

September 15, 1999.

Attorney(s) appearing for the Case

Terrence J. Byrne, Byrne, Goyke, Tillisch & Higgins, S.C., Wausau, WI, for plaintiff.

Jeffrey O. Davis, Quarles & Brady LLP, Milwaukee, WI, for defendant.

MEMORANDUM OPINION, FINDINGS OF FACT, AND CONCLUSIONS OF LAW

THOMAS S. UTSCHIG, Bankruptcy Judge.

Few would argue that a good education is a precious, if not priceless, investment, well worth the time and expense necessary to obtain it. Aside from the intrinsic value of continued learning, on a purely monetary level today's college graduates earn a wage premium of more than 40% over those with only a high school diploma.1

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