MEMORANDUM DECISION
JOHN J. HARGROVE, Bankruptcy Judge.
I.
INTRODUCTION
This matter came before this Court on the motion of the United States of America ("United States") for summary judgment on its adversary complaint to determine dischargeability of a guaranteed student loan obtained by the debtor defendant, Stephen George Cleveland ("debtor") under the auspices of the Health Education Assistance Loan program ("HEAL"), 42 U.S.C. §...
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