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IN RE SPENCE

No. 06-2114.

541 F.3d 538 (2008)

In re Roberta SPENCE, Debtor. Roberta Spence, Plaintiff-Appellant, v. Educational Credit Management Corporation, Defendant-Appellee.

United States Court of Appeals, Fourth Circuit.

Decided July 30, 2008.

Attorney(s) appearing for the Case

ARGUED: K. Cameron Currie, Wake Forest University, School of Law, Winston-Salem, North Carolina, for Appellant. Troy A. Gunderman, Educational Credit Management Corporation, St. Paul, Minnesota, for Appellee. ON BRIEF: John J. Korzen, Jessica M. Golden, Wake Forest University, School of Law, Appellate Advocacy Clinic, Winston-Salem, North Carolina, for Appellant. Rand L. Gelber, Vienna, Virginia, for Appellee.

Affirmed by published opinion. Senior Judge HANSEN wrote the opinion, in which Judge TRAXLER and Senior Judge HAMILTON joined.

HANSEN, Senior Circuit Judge:

Roberta Spence appeals the judgment of the district court, which reversed the bankruptcy court's decision to discharge her federally guaranteed student loan debt to the Educational Credit Management Corporation (ECMC). The district court concluded that Ms. Spence has not demonstrated that repayment "would impose an undue hardship" within the meaning of the statute. 11 U.S.C. § 523(a)(8) (2000). We affirm the judgment of the district...

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