MEMORANDUM AND ORDER
SHABAZ, Chief Judge.
Plaintiff Jodi Ross ("Ross") commenced this adversary action against defendant Educational Credit Management Corporation ("ECM") to discharge an educational loan in bankruptcy under 11 U.S.C. § 523(a)(8)(B). After a trial on May 15, 2000 Bankruptcy Court Judge Thomas S. Utschig found undue hardship and discharged
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