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IN RE REYNOLDS

Nos. 04-3192, 04-3722.

425 F.3d 526 (2005)

In re: Laura Susan REYNOLDS, Debtor, Laura Susan Reynolds, Plaintiff-Appellee, v. Pennsylvania Higher Education Assistance Agency; Defendant-Appellant, The Education Resource Institute; Hemar Insurance Corporation of America; Defendants, Educational Credit Management Corporation, Defendant — Appellant. In re: Laura Susan Reynolds, Debtor, Laura Susan Reynolds, Plaintiff — Appellee, v. Pennsylvania Higher Education Assistance Agency; The Education Resource Institute; Hemar Insurance Corporation of America; Educational Credit Management Corporation; Defendants, U.S. Department of Education, Defendant-Appellant.

United States Court of Appeals, Eighth Circuit.

Filed: October 10, 2005.

Attorney(s) appearing for the Case

Curtis P. Zaun, argued, St. Paul, Minnesota, for appellant Educational Credit.

Edward Himmelfarb, argued, Washington, D.C., for appellant U.S. Department of Education.

Jonathan A. Strauss, argued, Minneapolis, Minnesota, for appellee.

Before RILEY, BRIGHT, and JOHN R. GIBSON, Circuit Judges.

JOHN R. GIBSON, Circuit Judge.

The United States Department of Education, Pennsylvania Higher Education Assistance Agency, and Educational Credit Management Corporation appeal from the district court's1 affirmance of the bankruptcy court's2 order, which held that Laura Susan Reynolds's student loans were discharged in bankruptcy. The creditors contend that the bankruptcy court erred in discharging the debts...

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