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IN RE BERCHTOLD

Bankruptcy No. 03-42102, Adversary No. 04-6183.

328 B.R. 808 (2005)

In re Robert BERCHTOLD and Sandra Berchtold, husband and wife, Debtors. Robert Berchtold, Plaintiff, v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, D. Idaho.

July 26, 2005.

Attorney(s) appearing for the Case

Jay A. Kohler, Idaho Falls, ID, for Plaintiff.

Scott Tschirgi, Jones, Gledhill, Hess, Fuhrman & Eiden, P.A., Boise, ID, for Defendant.

MEMORANDUM OF DECISION

JIM D. PAPPAS, Bankruptcy Judge.

Plaintiff Robert Berchtold and his wife Sandra Berchtold are Chapter 7 debtors (hereafter jointly referred to as "Debtors"). In this adversary proceeding, Plaintiff seeks to discharge approximately $120,000 in student loan debt owed to Defendant Educational Credit Management Corporation. The central issue in the action is whether repaying this debt would represent an undue hardship for Debtors. 11 U...

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