MEMORANDUM OF DECISION
RUSS KENDIG, Bankruptcy Judge.
This adversary proceeding arises in the chapter 13 proceeding of debtor Jonathan Paul Balaski. On August 28, 2001, debtor filed a complaint seeking a determination that a student loan obligation owing Educational Credit Management Corporation (hereafter "ECMC") is dischargeable pursuant to 11 U.S.C. § 523(a)(8). ECMC answered the complaint and alleged that debtor cannot prove repayment of the loans...
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