OPINION
THOMAS L. PERKINS, Bankruptcy Judge.
Before the Court is the adversary complaint filed by Thomas Hockett individually, ("THOMAS"), who, with his wife, Linda Hockett, are the Chapter 7 Debtors (together, the "DEBTORS"), against Educational Credit Management Corp. (ECMC), to determine whether his student loan obligation is dischargeable under Section 523(a)(8) as an undue hardship. The Court took the matter under advisement after trial at which...
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