Read the following excerpt from a US court opinion:
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§ 523(a)(8) and whether the Debtor may attempt to discharge the amount through the plan confirmation process. Initially, the parties dispute whether the amount at issue represents a default penalty or collection costs incurred in USAFI’s attempt to collect upon the student loan debt. The Debtor argues that the amount is a default penalty that may either be discharged or cured through payment of the student loan principal and interest. The Debtor is correct that default penalty provisions, meant to penalize a debtor rather than repay the loan or reimburse a creditor for costs, have been held to be outside the discharge exception for student loans found in 11 U.S.C. § 523(a)(8). See Rural Kentucky Medical Scholarship Fund, Inc. v. Lipps (In re Lipps), 79 B.R. 67, 70 (Bankr.M.D.Fla. 1987) . However, USAFI’s “Statement of Purchased
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What is the most suitable continuation to the opinion? Your options are:
A. holding that  1322b2 prohibits modification of the interest rate on the loan on the debtors principal residence
B. holding that accruing interest at the default interest rate was not a penalty but the addition of a 5 late charge on top of the default interest would have been unreasonable pursuant to  506b and would have therefore been a penalty
C. holding that in a chapter 7 case postpetition interest on a nondischargeable tax claim is also nondischargeable
D. holding that the principal and interest of a student loan was nondischargeable but that the default penalty arising from the debtors failure to practice medicine in the contractually agreed upon area was dischargeable
E. holding that where parties to an oral loan agreed that the loan would be repaid on demand the statute of limitations did not begin to run until the date plaintiff demanded repayment of the loan
Reply with [A, B, C, D, E] only.