FINDINGS, MEMORANDUM AND CONCLUSIONS
CHARLES J. MARRO, Bankruptcy Judge.
This is an adversary proceeding to determine dischargeability of a student loan. The plaintiff's complaint is predicated upon § 17a of the Bankruptcy Act, as amended August 14, 1979, which excepts from the discharge a loan insured or guaranteed under the Higher Education Act of 1965 (20 U.S.C. 1071 et sequi) unless the discharge is granted after the expiration of a five...
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