OPINION
THOMAS L. PERKINS, Bankruptcy Judge.
The Debtor, Joshua E. Owens (DEBTOR), is seeking a discharge of his student loans under 11 U.S.C. § 523(a)(8) on the theory that excepting these debts from discharge would impose an undue hardship on him. He owes approximately $100,000 to the Department of Education (the DOE) and...
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