United States Bankruptcy Court, W.D. New York May 26, 1995, 2-19-20009 (Goranson v. Pennsylvania Higher Education Assistance Agency (In Re Goranson))

DECISION AFTER TRIAL

MICHAEL J. KAPLAN, Chief Judge.

This adversary proceeding was initiated by the Debtor, Carole Goranson, in an effort to have her student loan indebtedness declared dischargeable as an undue hardship under 11 U.S.C. § 523(a)(8). The difficulty in this case arises in trying to apply traditional “hardship” analysis to a Chapter 13 case.