176022P.pdf   12/07/2017  Amy Piccinino  v.  U.S. Dept. of Education
   U.S. Court of Appeals Case No:  17-6022
   U.S. Bankruptcy Court for the Eastern District of Missouri - St. Louis   
   [PUBLISHED] [Shodeen, Author, with Saladino, Chief Judge, and Dow, 
   Bankruptcy Judge] 
   Bankruptcy Appellate Panel. The bankruptcy court did not err in 
   determining debtor failed to meet her burden of proof to establish an 
   undue hardship under 11 U.S.C. Sec. 523(a)(8) to discharge her student 
   loans; the bankruptcy court did not err in dividing her federal tax refund 
   by twelve and including it as part of her monthly income; based on the 
   evidence of her age, health, skills and abilities, debtor failed to 
   demonstrate that her future employment opportunities will not result in 
   higher wages; the court did not err in determining debtor's monthly 
   expenses or in finding that she had income in excess of her expenses and 
   could make modest monthly repayments.