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IN RE TODD

Bankruptcy No. 09-32262-RAG. Adversary No. 10-00091-RAG.

473 B.R. 676 (2012)

In re Carol TODD, Debtor. Carol Todd, Plaintiff v. Access Group, Inc., et al., Defendant.

United States Bankruptcy Court, D. Maryland, at Baltimore.

May 17, 2012.

Attorney(s) appearing for the Case

Carol Todd, Nottingham, MD, Frank E. Turney, Esquire, Law Offices of Frank E. Turney, P.A., Baltimore, MD, for Plaintiff.

Susan Christine Scanlon, Esquire, Office of Ellen W. Cosby, Towson, MD, for Access Group, Inc.

Alex Gordon, Esquire, U.S. Attorney's Office, Baltimore, MD, for U.S. Department of Education.

Rand L. Gelber, Esquire, Rockville, MD, for Educational Credit Management Corp.

Mark J. Friedman, Esquire, DLA Piper LLP (US), Baltimore, MD 21209, Trustee.

MEMORANDUM OPINION IN SUPPORT OF JUDGMENT DISCHARGING STUDENT LOANS

ROBERT A. GORDON, Bankruptcy Judge.

I. Introduction

"I don't live a regular life." — The Debtor, Carol Todd

"If you are trying to find out if there are things that Ms. Todd cannot do, if that is your question ... then I can tell you for one thing I don't expect Ms. Todd...

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