Kraft v. New York State Higher Education Services Corp. (In Re Kraft)

MICHAEL J. KAPLAN, Chief Judge.

In this Adversary Proceeding, the Debtor, Leslie P. Kraft, seeks judgment discharging her student loans on the basis of undue hardship under 11 U.S.C. § 523(a)(8). After trial, the Court denies the judgment she seeks, 1 for as discussed herein, she has sought discharge of this debt too soon after bankruptcy discharge to establish “good faith.”

The facts, as they existed at the time of trial, were these:

The Debtor is a divorced female, 38 years of age. She has three children, ages 19, 17 and 16, all of whom live not with her, but with grandparents or great…