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IN RE DOWNEY

Bankruptcy No. 99-00542-GVL1. Adversary No. 00-90003.

255 B.R. 72 (2000)

In re Gloria DOWNEY, Debtor. Gloria Downey, Plaintiff, v. Sallie Mae, Inc; Hemar Insurance Company of America; and Educational Credit Management Corporation, Defendants.

United States Bankruptcy Court, N.D. Florida, Gainesville Division.

August 24, 2000.

Attorney(s) appearing for the Case

Mr. James Cerveny, Gainesville, FL, for debtor/plaintiff.

Ronald A. Mowrey, Tallahassee, FL, for Hemar Insurance Co.

Sallie Mae, Inc., Wilkes-Barre, PA, pro se.

Karen K. Specie, Gainesville, FL, Trustee.

MEMORANDUM OPINION

LEWIS M. KILLIAN, Jr., Bankruptcy Judge.

THIS MATTER came before the Court for a trial on the Plaintiff's complaint seeking to discharge student loans. This Court has jurisdiction pursuant to 28 U.S.C. §§ 151, 157(b)(2)(I), and 1334. The Court reviewed the pleadings, and heard testimony and argument from the parties. For the reasons more fully outlined below, the student loan debt...

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