OPINION
HELENE N. WHITE, Circuit Judge.
Thomas J. Alfes appeals the district-court judgment affirming the bankruptcy court's order granting summary judgment in favor of Educational Credit Management Corporation (ECMC). We AFFIRM.
I.
Between 1982 and 1997, Alfes took out student loans funded in whole or in part by the Federal Family Education Loan Program (FFELP). Alfes consolidated his student-loan debt and, on the final consolidation,...
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