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IN RE BRONSDON

BAP No. MB 10-009. Bankruptcy No. 07-14215-FJB. Adversary Proceeding No. 08-01062-MSH.

435 B.R. 791 (2010)

Denise Megan BRONSDON, Debtor. Denise Megan Bronsdon, Plaintiff-Appellee, v. Educational Credit Management Corporation, Defendant-Appellant.

United States Bankruptcy Appellate Panel of the First Circuit.

September 21, 2010.

Attorney(s) appearing for the Case

John F. White, Esq. , and Troy A. Gunderman, Esq. , on brief for Defendant-Appellant.

Denise M. Bronsdon , Pro Se, on brief for Plaintiff-Appellee.

Before HAINES, LAMOUTTE, and TESTER, United States Bankruptcy Appellate Panel Judges.

LAMOUTTE, Bankruptcy Judge.

This appeal arises out of an adversary proceeding filed by Denise Bronsdon (the "Debtor") seeking to discharge her student loan obligations to Educational Credit Management Corporation ("ECMC") on the grounds of undue hardship pursuant to § 523(a)(8).1 The bankruptcy court initially concluded that repayment of the student loans would impose an undue hardship on the Debtor and discharged the loans.

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