MEMORANDUM OPINION
DAVID STEWART CERCONE, District Judge.
I. INTRODUCTION
Before the Court is an appeal by Thomas A. Kuznicki ("Kuznicki" or "Appellant") from the final judgment of the United States Bankruptcy Court for the Western District of Pennsylvania finding that the student loan debt owed by Kuznicki to Educational Credit Management Corporation ("ECMC") was nondischargeable. This Court has jurisdiction of the appeal from the final order...
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