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IN RE OYLER

No. 03-4505.

397 F.3d 382 (2005)

In re: Michael J. OYLER, Debtor. Michael J. Oyler, Plaintiff-Appellee, v. Educational Credit Management Corporation, Defendant-Appellant.

United States Court of Appeals, Sixth Circuit.

Decided and Filed: February 3, 2005.

Attorney(s) appearing for the Case

ARGUED: Daniel S. Fisher, St. Paul, Minnesota, for Appellant. Donald M. Miller, Sr., Canton, Ohio, for Appellee. ON BRIEF: Frederick S. Coombs, III, Harrington, Hoppe & Mitchell, Youngstown, Ohio, for Appellant. Donald M. Miller, Sr., Canton, Ohio, for Appellee.

Before: DAUGHTREY, COOK, and FARRIS, Circuit Judges.

OPINION

COOK, Circuit Judge.

Education Credit Management Corporation ("ECMC") appeals the Bankruptcy Court's discharge of Michael Oyler's student loans from ECMC and asks us to consider whether that debt poses an "undue hardship" to Oyler. Unlike the Bankruptcy Court and Bankruptcy Appellate Panel (B.A.P.), we hold that it does not and thus reverse.

I

Oyler is the pastor of a Messianic Jewish church that he founded in June 1998. He is forty...

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