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IN RE GHARAVI

Bankruptcy No. 03-12600WCH. Adversary No. 03-01180.

335 B.R. 492 (2006)

In re Minoo GHARAVI, Debtor. Minoo Gharavi, Plaintiff, v. U.S. Dept. of Education and Educational Credit Management Corporation, Defendants.

United States Bankruptcy Court, D. Massachusetts, Eastern Division.

January 10, 2006.

Attorney(s) appearing for the Case

Joel Jay Rogge, Antonucci & DiGiammarino, Ipswich, MA, for Debtor/Plaintiff.

MEMORANDUM OF DECISION

WILLIAM C. HILLMAN, Bankruptcy Judge.

I. Introduction

Plaintiff Minoo Gharavi (the "Debtor") filed an adversary proceeding seeking the discharge of her student loans pursuant to 11 U.S.C. § 523(a)(8), which allows the discharge of student loans if their repayment would impose an undue hardship on a debtor. Educational Credit Management Corporation ("ECMC") and the United States Department of Education...

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