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IN RE ARROYO

Bankruptcy No. 08-11216-FJB. Adversary No. 08-1122.

470 B.R. 18 (2012)

In re Patricia M. ARROYO, Debtor. Patricia M. Arroyo, Plaintiff v. United States Department of Education, Defendant.

United States Bankruptcy Court, D. Massachusetts.

April 24, 2012.

Attorney(s) appearing for the Case

Richard S. Ravosa , Massachusetts Bankruptcy Center, Natick, MA, for Plaintiff.

Christopher Alberto , Assistant U.S. Attorney, Boston, MA, for Defendant.

MEMORANDUM OF DECISION

FRANK J. BAILEY, Bankruptcy Judge.

By her complaint in this adversary proceeding, the chapter 7 debtor, Patricia Arroyo (the "Debtor"), seeks a declaration that her obligation on a student loan held by the United States Department of Education (the "DOE") is dischargeable under 11 U.S.C. § 523(a)(8) on the basis that excepting this obligation from discharge would impose on her an undue hardship. Having now tried that matter...

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