MEMORANDUM OPINION
STEPHEN S. MITCHELL, Bankruptcy Judge.
This is an action by a chapter 13 debtor to discharge approximately $143,000 in student loan debt owed to Educational Credit Management Corporation. A trial was held on March 26, 2009. The plaintiff was present in person and represented herself. The defendant appeared by its attorney of record. For the reasons stated, the court, although sympathetic to the debtor's situation, concludes that she has...
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