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IN RE LYKOUDIS

Bankruptcy No. 8:04-bk-4505-PMG. Adversary No. 8:04-ap-244-PMG.

381 B.R. 349 (2007)

In re Anna S. LYKOUDIS, Debtor. Anna S. Lykoudis, Plaintiff, v. Florida Department of Education, Educational Credit Management Corporation, and Hemar Insurance Corporation of America, Defendants.

United States Bankruptcy Court, M.D. Florida, Tampa Division.

March 22, 2007.

Attorney(s) appearing for the Case

Nicholas E. Karatinos, St. Petersburg, FL, Perry G. Gruman, Tampa, FL, for Plaintiff/Debtor.

Patricia A. Willing, Assistant United States Attorney, Jeffrey C. Hakanson, Patti W. Halloran, Gibbons Cohn Neuman Bello Segall & Allen, Tampa, FL, Charles J. Grist, Jr., Attorney General, State of Florida, John D. Eaton, Berger Singerman PA, Ft. Lauderdale, FL, Pamela Teixeira Lutton, Office of the Attorney General, Tallahassee, FL, for Defendants.

FINDINGS OF FACT, CONCLUSIONS OF LAW, AND MEMORANDUM OPINION

PAUL M. GLENN, Chief Judge.

THIS CASE came before the Court for a final evidentiary hearing in the above-captioned adversary proceeding.

The Debtor, Anna S. Lykoudis, commenced this proceeding by filing a Complaint to Determine Dischargeability of a Debt. In the Complaint, the Debtor asserts that certain educational loans listed on her schedules should be discharged in her...

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