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IN RE KELLY

BAP No. MW 03-029. Bankruptcy No. 02-40158-JBR. Adversary No. 02-04196-JBR.

312 B.R. 200 (2004)

Nancy KELLY, Debtor. Educational Credit Management Corporation, Appellant, v. Nancy Kelly, Appellee.

United States Bankruptcy Appellate Panel of the First Circuit.

July 21, 2004.

Attorney(s) appearing for the Case

John F. White, Topkins & Bevans, Quincy, MA, on brief for the Appellant.

Nancy Kelly, pro se, on brief for the Appellee.

Before DE JESUS, VAUGHN, and KORNREICH, U.S. Bankruptcy Appellate Panel Judges.

KORNREICH, Bankruptcy Judge.

This matter is before us on appeal by Educational Credit Management Corporation ("ECMC") from the April 7, 2003 order (the "Order") of the United States Bankruptcy Court for the District of Massachusetts ("Bankruptcy Court" or "Court") determining the dischargeability of six of the Debtor's seven ECMC student loans under 11 U.S.C. § 523(a)(8).1 The Bankruptcy Court decided that two loans totaling $10,225...

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