RIPPLE, Circuit Judge.
Timothy O'Hearn filed for Chapter 7 bankruptcy relief and sought to discharge his government-guaranteed educational loans owed to the defendant, Educational Credit Management Corporation ("ECMC"), a not-for-profit organization that administers guaranteed student loans. After a hearing, the bankruptcy court concluded that the student loans would impose an "undue hardship" on Mr. O'Hearn. See 11 U.S.C. § 523(a)(8). The court therefore...
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