MESKILL, Circuit Judge.
This appeal requires the Court to determine the commencement date of the period of nondischargeability imposed by 11 U.S.C. § 523(a)(8)(A), for student loans, where the original loans have been superseded by a consolidation loan obtained pursuant to 20 U.S.C. § 1078-3. Section 523(a)(8)(A) provides that an individual debtor shall not be discharged from any debt "for an educational loan made, insured, or guaranteed by a governmental...
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