Chapter 7 debtors filed an uncalendared, post-discharge motion to discharge student loans, claiming undue hardship. Debtors' motion was verified, and the loan servicer indicated it had no reason to disbelieve the hardship allegations. The parties agreed to have the court determine dischargeability based on the motion and a letter from debtor/wife's doctor. The court determined, based on Bankruptcy Rule 7001, that determination of a debt's dischargeability is an "adversary" proceeding, which must be commenced by a complaint. The court denied debtors' motion on the basis that it was in an improper procedural posture.