OPINION
KENNETH J. MEYERS, Bankruptcy Judge.
The issue before the Court is whether a consolidated loan, the proceeds of which were used to pay preexisting student loans, is itself an "educational loan" under 11 U.S.C. § 523(a)(8). The facts are not in dispute.
On May 31, 1991, Gregory Lapusan consolidated five of his student loans pursuant to the Higher Education Act ("HEA"). As a result of the consolidation, the original student loans...
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