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IN RE ACKLEY

Bankruptcy No. 09-11192. Adversary No. 10-1011.

463 B.R. 146 (2011)

In re Kathleen and Terry ACKLEY, Debtors. Kathleen and Terry Ackley, Plaintiffs v. Sallie Mae Student Loans, et al., Defendants.

United States Bankruptcy Court, D. Maine.

December 23, 2011.

Attorney(s) appearing for the Case

Charles T. Ferris , Ferris, Gurney & Crook, Waterville, ME, for Debtors.

MEMORANDUM OF DECISION

LOUIS H. KORNREICH, Bankruptcy Judge.

Kathleen and Terry Ackley seek to discharge all of their student loan obligations based upon undue hardship pursuant to 11 U.S.C. § 523(a)(8). Following a day-long trial, it appeared that they might be able to pay a small portion of their student loan debt without undue hardship and that the balance would be discharged. This preliminary conclusion presented two issues: (a) whether the...

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