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IN RE ESTER

Case No. 21-10379-M Adversary No. 22-01003-M.

657 B.R. 655 (2024)

IN RE: Christopher Ryan ESTER, Debtor. Christopher Ryan Ester, Plaintiff, v. Pennsylvania Higher Education Assistance Agency d/b/a American Education Services, Defendant, and Navient Solutions, LLC, Defendant, and, National Collegiate Student Loan Trust 2007-1, Defendant, and Educational Credit Management Corporation, Intervenor-Defendant.

United States Bankruptcy Court, N.D. Oklahoma.

Signed March 26, 2024.

Attorney(s) appearing for the Case

Ron D. Brown, Brown Law Firm PC, Tulsa, OK, for Plaintiff.

Michael Alltmont, Sessions, Israel & Shartle, LLC, Metairie, LA, for Kerry Ray Lewis, Rhodes Hieronymus Jones Tucker & Gable, Tulsa, OK, Defendant National Collegiate Student Loan Trust 07-00001.

Anthony Hendricks, Crowe & Dunlevy, Oklahoma City, OK, for Defendant Pennsylvania Higher Education Assistance Agency dba American Education Services.

Lyle R. Nelson, Elias, Books, Brown & Nelson, P.C., Defendant Oklahoma City, OK, for Navient.

Mac D. Finlayson, Eller & Detrich, P.C., Tulsa, OK, for Intervenor-Defendant.

MEMORANDUM OPINION

The burden of a debt which can never realistically be repaid constitutes an undue hardship. The debtor must be able, at least over the long haul, to slay the beast, not merely keep it at bay.1

Simple words, written by this judge almost 27 years...

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