OPINION
HENRY L. HESS, Jr., Chief Judge.
This matter came before the court upon the objections to confirmation of the Higher Education Assistance Foundation (HEAF), Hemar Insurance Corporation (Hemar) and the Oregon State Scholarship Foundation (OSSC).
The parties filed a Stipulation of Facts on January 19, 1990. Based upon that stipulation and the evidence presented at trial, the court finds the following facts:
Prior to entering law school...
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