MEMORANDUM OPINION
ALBERT E. RADCLIFFE, Bankruptcy Judge.
The defendant, Pennsylvania Higher Education Assistance Agency (PHEAA) has filed a motion for summary judgment which is presently before this court. In substance, however, the parties have submitted this matter to the court as a trial upon stipulated facts.
FACTS
On August 1, 1994, the parties filed their stipulation as to the facts, herein. The parties...
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