VENTERS, Bankruptcy Judge.
This is an appeal of the bankruptcy court's determination that the student loan debt owed to Defendant Student Loan Guarantee Foundation of Arkansas is dischargeable under 11 U.S.C. § 523(a)(8). We have jurisdiction over this appeal pursuant to 28 U.S.C. § 158(b). For the reasons set forth below, we affirm the decision of the bankruptcy court.
I. STANDARD OF REVIEW
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