In Re ROBERT J. JOYNER, Chapter 7, Debtor. ROBERT J. JOYNER, Plaintiff, v. EDUCATIONAL CREDIT MANAGEMENT CORPORATION, Defendant.

Case No. 2:05-bk-23431, Adversary No. 06-148.United States Bankruptcy Court, D. Arizona.
September 26, 2007

ORDER INCORPORATING MEMORANDUM DECISION
SARAH CURLEY, Bankruptcy Judge

Based upon this Court’s Memorandum Decision dated September 26, 2007, which is incorporated herein by reference:

The Court finds that the Plaintiff, Robert Joyner, has not met his burden of proof under 11 U.S.C. § 523(a)(8). Therefore,

IT IS ORDERED that the Plaintiff shall owe the Defendant, Educational Credit Management Corporation, the principal amount of $43,811.71, plus interest accruing thereon and any costs of collection, and that said obligation shall be non-dischargeable under 11 U.S.C. § 523(a)(8).