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IN RE MANDALA

Bankruptcy No. 02-15414. Adversary No. 03-5116.

310 B.R. 213 (2004)

In re Jerome MANDALA, Patricia Deen Mandala, Debtors. Patricia Deen Mandala, Plaintiff, v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, D. Kansas.

May 25, 2004.

Attorney(s) appearing for the Case

Michael J. Studtmann, Wichita, KS, for debtors.

Emily B. Metzger, Wichita, KS, Bruce A. Swenson, Derby, KS, N. Larry Bork, Topeka, KS, for defendants.

Laurie Williams, Wichita, KS, trustee.

MEMORANDUM OPINION

ROBERT E. NUGENT, Chief Judge.

Debtor Patricia Deen Mandala filed this adversary proceeding to obtain an "undue hardship" discharge of her student loan debts owed to Educational Credit Management Corporation (ECMC) under 11 U.S.C. § 523(a)(8). After an evidentiary hearing in which the Court heard the testimony of debtors Patricia Deen Mandala (Patricia) and Jerome Mandala (Jerome) and received numerous exhibits, referenced...

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