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IN RE MATTHEWS-HAMAD

Bankruptcy No. 02-15746-8W7, Adversary No. 05-00081.

377 B.R. 415 (2007)

In re Cynthia MATTHEWS-HAMAD, Debtor. Cynthia Matthews-Hamad, Plaintiff, v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, M.D. Florida, Tampa Division.

November 8, 2007.

Attorney(s) appearing for the Case

Cynthia Matthews-Hamad, pro se.

John D. Eaton, Berger Singerman PA, Fort Lauderdale, FL, for Defendant.

MEMORANDUM DECISION AND ORDER DENYING DISCHARGE OF STUDENT LOAN

MICHAEL G. WILLIAMSON, Bankruptcy Judge.

Section 523(a)(8) of the Bankruptcy Code provides that a discharge under section 727 does not discharge a debtor from a student loan debt unless excepting such debt from discharge would impose an "undue hardship" on the debtor and the debtor's dependants. This Court is required to follow the Eleventh Circuit's directive and apply the three-prong...

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