In re Cooper (Ch. 7 Case No. 98-54012, Adv. Nos. 01-05044 and 01-05055)
Repayment of the debtor's student loans was not an undue hardship. The debtor's salary had increased by $15,000 during the past six years, yet the debtor had made no payments on her student loans. The debtor did not show any unexpected or unusual circumstances except for her divorce.