United States Bankruptcy Court, D. Massachusetts April 24, 2012, 19-30172 (Arroyo v. United States Department of Education (In Re Arroyo))

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.