No. 12-3592.

713 F.3d 882 (2013)

Susan M. KRIEGER, Plaintiff-Appellant, v. EDUCATIONAL CREDIT MANAGEMENT CORPORATION, Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided April 10, 2013.

Attorney(s) appearing for the Case

Susan M. Krieger (submitted), Dallas City, IL, pro se.

David P. Stoeberl (submitted), Attorney, Carmody MacDonald, St. Louis, MO, for Defendant-Appellee.

Before EASTERBROOK, Chief Judge, and MANION and ROVNER, Circuit Judges.


Susan Krieger is destitute. Her entitlement to a discharge in bankruptcy is unquestioned. But her largest creditor — Educational Credit Management, which acts on behalf of some federal loan guarantors — asked the bankruptcy judge to exempt her student loans from the discharge, relying on 11 U.S.C. § 523(a)(8). This subsection excludes educational loans "unless excepting such debt from discharge under this paragraph would...

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