WOLLMAN, Circuit Judge.
The Educational Credit Management Corporation (ECMC) appeals from the judgment of the bankruptcy court, later affirmed by the Bankruptcy Appellate Panel (BAP), which discharged the student loan debt of Michele D. Walker (Walker) under the "undue hardship" provision of 11 U.S.C. § 523(a)(8). We affirm.
I.
We summarize the relevant facts as outlined in Walker v. Education Credit Management Corp.,
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