MEMORANDUM ORDER
ROBERT J. KRESSEL, Bankruptcy Judge.
These proceedings came on for a joint trial on June 23, 2003. Gwen Updegraff appeared for the plaintiff. William J. Fisher appeared on behalf of defendant Educational Credit Management Corporation, and Perry Sekus, Assistant United States Attorney, appeared on behalf of defendant United States Department of Education.
BACKGROUND
The plaintiff, Floyd Korhonen, is forty two years...
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