MEMORANDUM OPINION
RICHARD E. FEHLING, Bankruptcy Judge.
I. INTRODUCTION
Plaintiff/Debtor, Erik Von Kiel, formerly known as Dennis Fluck, ("Debtor"), is a doctor who owed, as of February 29, 2012, $200,239.42 in Health Education Assistance Loans ("HEAL loans"). See Declaration of Barry M. Blum ("Blum Declaration"), p. 6, ¶ 32 (attached to Defendants' Motion for Summary Judgment as Exhibit 1).
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