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IN RE BENE

Bankruptcy No. 03-14328 K. Adversary No. 08-1167 K.

474 B.R. 56 (2012)

In re Donna M. BENE, Debtor. Donna M. Bene, Plaintiff v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, W.D. New York.

June 26, 2012.

Attorney(s) appearing for the Case

Brad Davidzik, Esq., Jeffrey Freedman Attorneys at Law, Buffalo, NY, Attorney for Plaintiff.

Stephen M. O'Neill, Esq., PLLC, Buffalo, NY, Attorney for Defendant.

OPINION, DECISION AND ORDER DISCHARGING STUDENT LOAN DEBT

MICHAEL J. KAPLAN, Bankruptcy Judge.

SYNOPSIS

To some extent, this case is about choices that student loan debtors made long before seeking discharge of student loans in bankruptcy court.

Three prior rulings by this writer are implicated — Melton, DeRose and Kraft. In Melton, this Court held that a decision...

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