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IN RE PATTERSON

Bankruptcy No. 99-13485. Adversary No. 99-1229.

251 B.R. 866 (2000)

In re Beth PATTERSON, Debtor. Beth Patterson, Plaintiff, v. Educational Credit Management, Corp., Defendant.

United States Bankruptcy Court, N.D. California.

June 28, 2000.

Attorney(s) appearing for the Case

Lynn Anderson Koller, Law Offices of Lynn Anderson Koller, Tucson, AZ, for debtor.

Charles E. Sims, Sonoma, CA, trustee.

Memorandum of Decision

ALAN JAROSLOVSKY, Bankruptcy Judge.

This adversary proceeding concerns the dischargeability of about $75,000.00 in student loans pursuant to § 523(a)(8) of the Bankruptcy Code. The court has no problems concerning the facts, which are simple and clear. Application of the law is more problematical.

Debtor Beth Patterson is a 38-year-old single woman with no dependants. Despite a master's degree in psychology, she...

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