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IN RE JORGENSEN

BAP No. HI-12-1055-JuHPa. Bankruptcy No. 10-03328. Adversary No. 11-90016.

479 B.R. 79 (2012)

In re Stacy Marie JORGENSEN, Debtor. Educational Credit Management Corporation, Appellant, v. Stacy Marie Jorgensen, Appellee.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Decided September 11, 2012.

Attorney(s) appearing for the Case

Adam C. Trampe, Esq. argued for Appellant Educational Credit Management Corporation; Stacy Marie Jorgensen argued pro se.

Before: JURY, HOLLOWELL, and PAPPAS Bankruptcy Judges.

OPINION

JURY, Bankruptcy Judge.

Debtor Stacy Marie Jorgensen ("Jorgensen") sought to discharge student loan debt owed to Educational Credit Management Corporation ("ECMC") as an undue hardship under § 523(a)(8).1 The bankruptcy court granted a partial discharge of the debt. ECMC appeals, contending that the bankruptcy court erred in finding that Jorgensen met all three prongs...

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