FINDINGS AND CONCLUSIONS
FOLGER JOHNSON, Bankruptcy Judge.
The debtors attended college before their marriage to each other. The husband graduated in December, 1976, and the wife in March, 1978. To assist with college expenses Michael Littell obtained a National Direct Student Loan for approximately $3,000.00 with the money paid to him in several increments. He was to start repaying the loan ten months after graduation with payments calculated at $90.00...
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