MEMORANDUM OPINION
THOMAS M. WEAVER, Bankruptcy Judge.
This matter came on for trial at which time plaintiff Lance David Hollister ("Plaintiff") appeared through counsel, J. David Ezzell, and defendant, Nebraska Student Loan Program, Inc. ("NSLP"), appeared through its counsel, David L. Nunn, and intervenor Educational Credit Management Corp. ("ECMC") appeared through its counsel, Mac D. Finlayson.
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