Bankruptcy Appellate Panel of the Sixth Circuit March 2, 2006, 05-8011 (Educational Credit Management Corp. v. Barrett (In Re Barrett))

OPINION

LATTA, Bankruptcy Judge.

Educational Credit Management Corporation (“ECMC”) appeals an order of the bankruptcy court discharging the debtor’s student loans as the result of undue hardship pursuant to 11 U.S.C. § 523(a)(8). For the reasons set forth below, we AFFIRM the decision of the bankruptcy court.

I.