MEMORANDUM OPINION
BERNARD MARKOVITZ, Bankruptcy Judge.
Debtor Elaine J. Myers ("debtor") seeks a determination pursuant to 11 U.S.C. section 523(a)(8)(B) that a debt she owes to Pennsylvania Higher Education Assistance Agency ("PHEAA") is dischargeable.
Debtor claims that excepting the debt from discharge will impose an undue hardship upon her and her adult daughter. PHEAA denies that repayment of debtor's educational loan will result in undue hardship...
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