FINDINGS OF FACT AND CONCLUSIONS OF LAW
GEORGE L. PROCTOR, Bankruptcy Judge.
This proceeding is before the Court upon the Complaint filed by Plaintiff, Angel L. Luna, seeking the discharge of a debt owed to Defendant, Educational Credit Management Corporation, pursuant to 11 U.S.C. § 523(a)(8). A trial was held on July 7, 1999, and based upon the evidence presented, the Court enters the following Findings of Fact and Conclusions of Law.
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