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IN RE MASON

BAP Nos. ID-04-1075-BMaP, ID-04-1077-BMaP, Bankruptcy No. 03-00147, Adversary No. 03-6122.

315 B.R. 554 (2004)

In re Keith MASON, Debtor. Educational Credit Management Corporation, Appellant and Cross-Appellee, v. Keith Mason, Appellee and Cross-Appellant.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Filed September 21, 2004.

Attorney(s) appearing for the Case

Scott A. Tschirgi, Jones, Gledhill, Hess, Fuhrman, Bradbury & Eiden, P.A., Boise, ID, for Educational Credit Management Corporation.

Joseph M. Meier, Cosho, Humphrey, Greener & Welsh, P.A., Boise, ID, for Keith Mason.

Before BRANDT, MARLAR, and PERRIS, Bankruptcy Judges.

OPINION

BRANDT, Bankruptcy Judge.

Keith Mason, an intelligent, determined chapter 71 debtor, substantially overcame a learning disability and obtained a law degree, but finds that his disability impedes his admission to the bar, and adversely affects his access to the job market and professional employment.

He sought discharge of his student loans under § 523(a)(8). After trial, the bankruptcy court concluded that...

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