Opinion ID: 1038157
Heading Depth: 1
Heading Rank: 4

Heading: conclusion

Text: Since the record reveals that Ms. Conway’s past, present, and reasonably reliable future financial resources are not sufficient to meet all of the monthly payment obligations to NCT while maintaining a minimum standard of living, we conclude on de novo review that excepting all of the obligations to NCT from discharge would be an undue hardship on Ms. Conway. Therefore, we reverse the decision of the bankruptcy court and remand for further proceedings in accordance with this opinion. ______________________________ 8 In other words, it is insufficient to say that Ms. Conway is able to pay a particular loan when she had positive disposable income in one month but negative disposable income in another. Since Ms. Conway’s income fluctuates, the entire year must be considered to determine if she has sufficient disposable income averaged over the course of the year. -13-