DISCLAIMER:  Any unofficial case summaries below are prepared by the clerk's office
                        as a courtesy to the reader. They are not part of the opinion of the court.

016042P.pdf   05/08/2003  Nanci A. Long  v.  ECMC
   U.S. Court of Appeals Case No:  01-6042
   District of Minnesota   
   Bankruptcy Appellate Panel. Under the totality of the 
   circumstances test, payment of the debtor's student loan 
   obligation will not impose an undue hardship on her, 
   and the loan should not be discharged.
  
016042P.pdf   01/10/2002  Nanci A. Long  v.  ECMC
   U.S. Court of Appeals Case No:  01-6042
   District of Minnesota   
   Bankruptcy Appellate Panel - dischargeability under 
   section 523(a)(8). Bankruptcy court's order declaring student 
   loan debt dischargeable is affirmed. Determination of 
   whether excepting a student loan from discharge is an undue 
   hardship is a question of fact under the totality of circumstances. 
   Bankruptcy court did not clearly err in finding undue hardship. 
   Judge Schermer dissents.