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IN RE COUTTS

Bankruptcy No. 99-42550 (JBR). Adversary No. 99-4183.

263 B.R. 394 (2001)

In re Janet L. COUTTS, Debtor. Janet L. Coutts, Plaintiff, v. Massachusetts Higher Education Corp., D/B/A American Student Assistance, and Educational Credit Management Corp., Defendants.

United States Bankruptcy Court, D. Massachusetts.

June 15, 2001.

Attorney(s) appearing for the Case

Kenneth D. Quat, Concord, MA, for Janet L. Coutts, Plaintiff/Debtor.

John F. White, Topkins & Bevans, Braintree, MA, for Educational Credit Management Corp., Defendant.

MEMORANDUM OF DECISION AND ORDER

JOEL B. ROSENTHAL, Bankruptcy Judge.

This matter is before the Court on a complaint alleging that certain student loans owed by Janet L. Coutts, hereinafter the "Debtor," to Educational Credit Management Corp., hereinafter "ECMC,"1 are dischargeable insofar as the repayment of such loans constitutes an undue hardship pursuant to § 523(a)(8) of the Bankruptcy Code.

ECMC raised...

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