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IN RE NIELSEN

BAP No. 12-6020.

473 B.R. 755 (2012)

In re Erik J. NIELSEN and Kathryn R. Nielsen, Debtors. Erik J. Nielsen, Plaintiff-Appellant, v. ACS, Inc., Defendant, Educational Credit Management Corporation, Intervenor Defendant-Appellee.

United States Bankruptcy Appellate Panel of the Eighth Circuit.

Decided: July 9, 2012.

Attorney(s) appearing for the Case

Erik J. Nielsen, Red Oak, IA, pro se.

Adam Clinton Trampe, Oakdale, MN, for appellee.

Before KRESSEL, Chief Judge, FEDERMAN, and SALADINO, Bankruptcy Judges.

SALADINO, Bankruptcy Judge.

Plaintiff, Erik J. Nielsen, appeals from an order of the bankruptcy court1 dated February 28, 2012, finding his student loan obligations to Educational Credit Management Corporation ("ECMC") to be nondischargeable. For the reasons stated below, we affirm.

Mr. Nielsen and his spouse, Kathryn R. Nielsen, filed a joint voluntary Chapter 7 case on October 7, 2009. On January 21, 2010, Mr. Nielsen commenced...

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