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IN RE DENITTIS

Bankruptcy No. 01-40744-MR, Adversary No. 06-4113.

362 B.R. 57 (2007)

In re Melanie DENITTIS, Debtor. Melanie Denittis, Plaintiff, v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, D. Massachusetts.

January 18, 2007.

Attorney(s) appearing for the Case

Michael C. O'Doherty, Worcester, MA, for Debtor.

MEMORANDUM OF DECISION

JOEL B. ROSENTHAL, Bankruptcy Judge.

This matter came before the Court for trial on the Debtor's amended complaint seeking a declaration that the student loan originally held by SallieMae Servicing Corp., which after a series of assignments is now held by Educational Credit Management Corporation ("ECMC"), is dischargeable. For the reasons set forth herein, the Court finds that repayment of

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