Lorenz v. American Education Services/Pennsylvania Higher Education Assistance Agency (In Re Lorenz)

Memorandum of Decision on Discharge of Student Loan Obligations

JOEL B. ROSENTHAL, Bankruptcy Judge.

The facts in this matter are essentially undisputed. Craig A. Lorenz (“Debtor”) is indebted to the Defendant in the approximate sum of $72,000 for guaranteed student loans which the parties agree are non-dischargeable except for a finding in this proceeding of “undue hardship” under 11 U.S.C. § 523(a)(8). These student loans were used to finance Debtor’s podiatry school education. In addition to these student loans, the Debtor is also obligated on approximately $82,000 of HEAL loans which are…