MEMORANDUM OF DECISION
HARRY C. DEES, JR., Chief Bankruptcy Judge.
At South Bend, Indiana, on June 1, 2005.
Before the court is the Complaint to Determine Dischargeability pursuant to 11 U.S.C. § 523(a)(8), filed by plaintiff George F. Kehler ("plaintiff" or "debtor") on August 31, 2004. The defendant Educational Credit Management Corporation ("ECMC") filed its answer on October 7, 2004.
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