FERNANDEZ, Circuit Judge:
Educational Credit Management Corporation ("ECMC") appeals from the order of the Bankruptcy Appellate Panel affirming the bankruptcy court's denial of ECMC's motion to intervene as a defendant in an adversary proceeding in a Chapter 7 bankruptcy. The proceeding was brought by the debtor, Martha Bernal, for the purpose of discharging her student loans on the ground of undue hardship. See 11 U.S.C. § 523(a)(8). We affirm.
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