EASTERBROOK, Chief Judge.
Susan Krieger is destitute. Her entitlement to a discharge in bankruptcy is unquestioned. But her largest creditor — Educational Credit Management, which acts on behalf of some federal loan guarantors — asked the bankruptcy judge to exempt her student loans from the discharge, relying on 11 U.S.C. § 523(a)(8). This subsection excludes educational loans "unless excepting such debt from discharge under this paragraph would...
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