The Court held that debtor's debts owed to creditor arising from loans made for the purpose of permitting debtor to attend an institution or institutions of higher learning are dischargeable, notwithstanding 11 U.S.C. § 523(a)(8), because debtor met her burden under the undue-hardship test stated in Brunner v. New York State Higher Educ. Servs. Corp., 831 F.2d 395, 396 (2d. Cir. 1987) and adopted by the Fourth Circuit Court of Appeals in Educ. Credit Mgmt. Corp. v. Frushour (In re Frushour), 433 F.3d 393, 400 (4th Cir. 2005).

The Court confirmed the debtors' Chapter 13 plans because (1) at least in cases in which no contrary position is asserted by some party in interest, 11 U.S.C. § 1325 (a)(5)(B)(iii) does not preclude the continuation of adequate protection payments post-confirmation until all administrative expenses have been paid in full, (2) interest begins to accrue on the secured loan balance on the date of confirmation, and (3) based on 11 U.S.C. § 1325(a)(5)(B)(i)(I) and (II), non-bankruptcy law (rather than plan provisions) controls how post-confirmation payments are applied to secured loan balances.

In a discovery dispute involving an involuntary Chapter 7 petition, the Court limited the petitioning creditor's discovery from the alleged debtor's retirement plan administrator. 

The court dismissed its own show cause order regarding the credit counseling requirement, because the Debtor had received credit counseling slightly more than 180 days before filing and again shortly after the show cause order was issued.