MEMORANDUM OF OPINION
PAT E. MORGENSTERN-CLARREN, Chief Judge.
The plaintiff-chapter 7 debtor Alethea Lamento brought this adversary proceeding seeking a determination that her student loan debt of about $72,000.00 is dischargeable under 11 U.S.C. § 523(a)(8) because repaying the loans would be an undue hardship. The two defendants, the United States of America, on behalf of the U.S. Department of Education, and Educational Credit Management...
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