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IN RE GROVES

Bankruptcy No. 07-60283. Adversary No. 07-6032.

398 B.R. 673 (2008)

In re Lalonnie Marie GROVES, Debtor. Lalonnie Marie, Plaintiff, v. Citibank NA, et al., Defendants.

United States Bankruptcy Court, W.D. Missouri.

November 21, 2008.

Attorney(s) appearing for the Case

Lalonnie Marie Groves, pro se.

Thomas J. O'Neal, Shughart Thomson & Kilroy, Springfield, MO, for Debtor.

Citibank NA, pro se.

LMV Funding, pro se.

Campus Partners, pro se.

Mark J. Schultz, Gallas & Schultz, Kansas City, MO, Lee J. Viorel, III, Lowther Johnson, LLC, Springfield, MO, Michael H. Berman, Berman & Rabin, PA, Overland Park, KS, Larry N. Bork, Goodell, Stratton, Edmonds & Palmer, LLP, Topeka, KS, for Defendants.

AMENDED MEMORANDUM OPINION

ARTHUR B. FEDERMAN, Bankruptcy Judge.

Debtor Lalonnie Marie a/k/a Lalonnie Marie Groves seeks to discharge $216,849.12 in student loans held by Education Credit Management Corporation ("ECMC") and Sallie Mae, Inc. ("Sallie Mae") pursuant to 11 U.S.C. § 523(a)(8) because repaying them would impose an undue hardship for her.1 This is a core proceeding under 28 U.S.C. § 157(b)(2)(I) over...

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