United States Bankruptcy Appellate Panel for the Ninth Circuit December 6, 2002, BAP No. WW-02-1186-HRyMa, Bankruptcy No. 01-16399, Adversary No. 01-01413 (Pennsylvania Higher Education Assistance Agency v. Birrane (In Re Birrane))

OPINION

HARGROVE, Bankruptcy Judge.

Pennsylvania Higher Education Assistance Agency (“PHEAA”) appeals the bankruptcy court’s finding that debtor Deborah Helen Birrane’s (“Birrane”) student loan is dischargeable under 11 U.S.C. § 523(a)(8). WE REVERSE.

I.

FACTS

Birrane was 36 years old, single and had no dependents at the time of trial in this matter.