MEMORANDUM OPINION
ROBERT J. KRESSEL, Bankruptcy Judge.
This adversary proceeding came on for trial on January 6, 2009 on the debtor's complaint seeking a determination that his student loans are dischargeable pursuant to 11 U.S.C. § 523(a)(8). Brian F. Kidwell appeared for the plaintiff. A.L. Brown and Henry T. Wang appeared for defendant Educational Credit Management Corporation.
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