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IN RE MORRIS

Bankruptcy No. 00-11167M. Adversary No. 00-1517.

277 B.R. 910 (2002)

In re Terri Lynn MORRIS, Debtor. Terri Lynn Morris, Plaintiff. v. University of Arkansas; Banc One Student Loan Trust 1994A, Banc One, Columbus, NA Trustee; North Texas Higher Education Authority; USA Group Secondary Market, Banc One, NA, as Trustee; Arkansas Student Loan Guaranty Foundation, Ronnie Nichoalds, Director, Defendants.

United States Bankruptcy Court, W.D. Arkansas, El Dorado Division.

May 20, 2002.

Attorney(s) appearing for the Case

Mark D. Drake, Smith & Drake, McGehee, AR, for Debtor.

William S. Meeks, Crossett, AR, U.S. Bankruptcy Trustee.

MEMORANDUM OPINION

JAMES G. MIXON, Chief Judge.

Terri Lynn Morris ("Debtor") filed this adversary proceeding on August 4, 2000, to determine the dischargeability of education loans resulting in indebtedness to the Student Loan Guaranty Foundation of Arkansas ("SLGF") and other defendants who have either defaulted or been dismissed from this action. The Debtor alleges that repaying the indebtedness to SLGF would cause undue hardship to her and her...

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