OPINION
STEPHEN RASLAVICH, Bankruptcy Judge.
Before the Court are two adversary proceedings brought by Debtor, Janine E. Vinci to determine the dischargeability under 11 U.S.C. § 523(a)(8) of student loan debts owed to Defendants Texas Guaranteed Student Loan Corporation ("TGSLC") and Pennsylvania Higher Education Assistance Agency ("PHEAA"), both guarantors of certain student loans defaulted upon by the Debtor. The foregoing matters were consolidated...
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