Mathis

I. Introduction

Michelle C. Mathis (“Debtor”) seeks to discharge her obligation to repay student loan debt in the amount of $82,190.54 (the “Student Loan”).1 The United States Department of Education (“Defendant”) asserts that Debtor will not be subjected to an undue hardship if she is required to repay the Student Loan.

1 As described in greater detail below, $82,190.54 was the student loan balance as of September 1, 2021. The loan accrues interest at the rate of 5.63% per annum, or $10.67 per day. Trial was conducted on September 29, 2021.2 This Memorandum of Decision constitutes the Court’s findings of fact and conclusions of law pursuant to Civil Rule 52, made applicable to these proceedings by Bankruptcy Rule 7052.3 For the reasons set forth below, the Court finds that Debtor is not entitled to a discharge of the Student Loan, and will enter judgment in favor of Defendant.

II. Admissibility of Exhibits

On February 4, 2021, the Court entered an order setting litigation deadlines and establishing procedures for the adjudication of evidentiary objections at trial [Doc. No. 34] (the “Evidence Procedures Order”). The Evidence Procedures Order required all parties to stipulate…