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IN RE AZWAR

BAP No. WO-05-005, BAP No. WO-05-006, Bankruptcy No. 04-13501-BH, Adversary No. 04-01150-BH.

326 B.R. 165 (2005)

In re Kristian AZWAR, Debtor. Kristian Azwar, Plaintiff — Appellee, v. Texas Guaranteed Student Loan Corporation, a non-profit Texas corporation, and Oklahoma State Regents for Higher Education, Defendants — Appellants.

United States Bankruptcy Appellate Panel of the Tenth Circuit.

June 27, 2005.

Attorney(s) appearing for the Case

Submitted on the briefs:* Chuck Moss, Oklahoma City, Oklahoma, for Plaintiff — Appellee Kristian Azwar.

Mac D. Finlayson of Morrel, West, Saffa, Craige & Hicks, Inc., Tulsa, Oklahoma, for Defendant — Appellant Texas Guaranteed Student Loan Corporation.

David B. Harting, Oklahoma City, Oklahoma, for Defendant — Appellant Oklahoma State Regents for Higher Education.

Before CLARK, NUGENT, and McNIFF, Bankruptcy Judges.

OPINION

NUGENT, Bankruptcy Judge.

The Oklahoma State Regents for Higher Education (Regents) and the Texas Guaranteed Student Loan Corporation (TGSLC) (collectively, the "Creditors") timely appeal a final Judgment of the United States Bankruptcy Court for the Western District of Oklahoma discharging the Chapter 7 debtor's student loan debt pursuant to the "undue hardship" provision in 11 U.S.C. § 523(a)(8)....

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