MEMORANDUM OPINION AND ORDER
JOHN C. MINAHAN, Jr., Bankruptcy Judge.
In this Chapter 7 proceeding, the plaintiff, debtor, filed a Complaint to Determine the Dischargeability of Student Loans. The debt arises from loans made to the plaintiff by Columbus Federal Savings. Higher Education Assistance Foundation ("Foundation") guaranteed repayment of the loans and is now the holder of the debtor's notes. The Foundation was joined as an additional party defendant...
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