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IN RE KELLY

Bankruptcy No. 1-05-13887-dem. Adversary No. 1-05-1220-dem.

351 B.R. 45 (2006)

In re Laura KELLY, Debtor. Laura Kelly, Plaintiff, v. Sallie Mae Servicing and Educational Credit Management Corporation, Defendants.

United States Bankruptcy Court, E.D. New York.

September 21, 2006.

Attorney(s) appearing for the Case

Jacqueline G. Torchin, Esq., Astoria, NY, for Plaintiff.

Kevin Laurilliard, Esq., McNamee, Lochner, Titus & Williams, P.C., Albany, NY, for Defendant Sallie Mae Servicing.

Kenneth L. Baum, Esq., Cole, Schotz, Meisel, Forman & Leonard, P.A., New York City, for Defendant Educational Credit Management Corp.

DECISION AND ORDER

DENNIS E. MILTON, Bankruptcy Judge.

On June 15, 2005, Laura Kelly (the "plaintiff') commenced this adversary proceeding against Educational Credit Management Corporation ("ECMC") and Sallie Mae Servicing ("Sallie Mae")(collectively known as the "defendants"), the holders of student loans made to the plaintiff pre-petition, requesting this Court to discharge these loans pursuant to Section 523(a)(8) of the Bankruptcy Code. On April...

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