ORDER
JOHN L. PETERSON, Chief Judge.
Plaintiffs/Debtors Raymond Edward Thomsen ("Raymond") and Kim Jonette Thomsen ("Kim"), pro se, commenced this adversary proceeding on December 17, 1998, seeking a determination that various educational loans owing by both Plaintiffs to the Defendant United States of America, Department of Education are dischargeable on grounds of undue hardship. After due notice, trial was held at Missoula on May 20, 1999...
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