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Background
Some of the facts have been stipulated and are so found.
At the time the petition was filed, petitioner resided in San
Francisco, California.
Petitioner holds undergraduate and graduate degrees in
clinical psychology. She received her bachelor’s degree from
Barnard College in 1987. She received her master’s degree and
Ph.D. from the University of Michigan in 1990 and 1993,
respectively.
From 1983 through 1993, she amassed over $40,000 in student
loans. Approximately $15,000 of her student loans relate to the
educational expenses incurred for her bachelor’s and master’s
degrees. The balance of the loans relate primarily to expenses
she incurred for personal therapy that she was required to take
as a Ph.D. candidate. As of November 3, 1997, the outstanding
balance on her student loans was $41,700.69. During 1996, she
paid $3,709.33 of interest on these loans.
During 1996, petitioner was employed as a development
specialist by Bay Area Addiction and Treatment, Inc. in San
Francisco, California (the clinic). Typically, she worked at the
clinic from Monday through Friday from 7:00 a.m. until 3:00 p.m.
The income she earned from the clinic is reported as wages on her
1996 Federal income tax return, and the expenses she incurred as
an employee of the clinic are deducted as miscellaneous expenses
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Last modified: May 25, 2011