United States Bankruptcy Court, D. Massachusetts January 10, 2006, 19-30120 (Gharavi v. U.S. Department of Education & Educational Credit Management Corp. (In Re Gharavi))

MEMORANDUM OF DECISION

WILLIAM C. HILLMAN, Bankruptcy Judge.

I.

Introduction

Plaintiff Minoo Gharavi (the “Debtor”) filed an adversary proceeding seeking the discharge of her student loans pursuant to 11 U.S.C. § 523(a)(8), which allows the discharge of student loans if their repayment would impose an undue hardship on a debtor.