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IN RE POBINER

Bankruptcy No. 801-87694-mlc. Adversary No. 801-8390-dte.

309 B.R. 405 (2004)

In re Paul A. POBINER, Debtor. Paul A. Pobiner, Plaintiff, v. Educational Credit Management Corporation, et al., Defendant.

United States Bankruptcy Court, E.D. New York.

April 1, 2004.

Attorney(s) appearing for the Case

Klestadt & Winters, By John E. Jureller, Jr, New York City, for the Plaintiff.

Pullman & Comley, By Sheila Denton, Bridgeport, CT, for the Defendant ECMC.

Richard L. Stern, Macco & Stern, Melville, NY, Chapter 7 Trustee.

DECISION ON DISCHARGEABILITY OF STUDENT LOANS

DOROTHY EISENBERG, Bankruptcy Judge.

Before the Court is an adversary proceeding commenced by Paul A. Pobiner (the "Debtor" or the "Plaintiff) against Educational Credit Management Corporation ("ECMC" or the "Defendant"),1 the holder of eleven separate student loans made by various banking institutions to the Debtor pre-petition, requesting this Court to determine the dischargeability...

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