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IN RE COTA

Bankruptcy No. 4-00-004064-TUC-EWH, Adversary No. 02-0022.

298 B.R. 408 (2003)

In re Jose H. COTA and Sandra M. Cota, Debtors. Jose H. Cota and Sandra M. Cota, Plaintiffs, v. U.S. Department of Education, et al., Defendants.

United States Bankruptcy Court, D. Arizona.

September 2, 2003.

Attorney(s) appearing for the Case

Ronald Ryan, Tucson, AZ, for Debtors/Plaintiffs.

Madeleine C. Wanslee, Gust Rosenfeld P.L.C., Phoenix, AZ, for Defendants.

AMENDED MEMORANDUM DECISION

EILEEN W. HOLLOWELL, Bankruptcy Judge.

INTRODUCTION

The Debtors are seeking, pursuant to 11 U.S.C. § 523(a)(8), to discharge the student loan obligations of Jose H. Cota. For the reasons set forth below, the court finds that the Debtors are entitled to relief.

FACTUAL BACKGROUND

In 1988, Jose Cota, who was then approximately 21 years old, decided to attend the "International School...

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