MEMORANDUM DECISION
EILEEN W. HOLLOWELL, Bankruptcy Judge.
INTRODUCTION
John J. Greenwood ("Greenwood" or "Debtor") is a married, mental health social worker with two children whose family's living expenses exceed his and his wife's income. He has no college degree and no realistic prospect of significant advancement in his employment or finding a better paying line of work. Until his children were born, he made regular payments on his student...
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