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IN RE ROTH

BAP No. AZ-11-1233-RnPaKi. Bankruptcy No. 09-00317-RJH. Adversary No. 10-0764-RJH.

490 B.R. 908 (2013)

In re Janet Rose ROTH, Debtor. Janet Rose Roth, Appellant, v. Educational Credit Management Corporation, Appellee.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Decided April 16, 2013.

Attorney(s) appearing for the Case

Appellant Jane Rose Roth on brief; Julie K. Swedback, Esq. , on brief for appellee, Educational Credit Management Corporation.

Before: RENN, PAPPAS and KIRSCHER, Bankruptcy Judges.

RENN, Bankruptcy Judge.

This pro se appeal arises from a judgment rendered after trial in an adversary proceeding which excepted from discharge under 11 U.S.C. § 523(a)(8)3 Debtor Janet Roth's ("Debtor") student loan debt to Educational Credit Management Corporation ("ECMC"). We REVERSE and REMAND.

I. FACTS4

From 1989 to 1995 Debtor took out thirteen federally guaranteed student...

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