021426P.pdf   03/11/2003  Nanci Anne Long  v.  Educ. Credit Mgt.
   U.S. Court of Appeals Case No:  02-1426
   District of Minnesota   
   Civil case - bankruptcy. The question of whether a bankruptcy court 
   has correctly determined that repayment of student loan imposes 
   an undue hardship is a legal question to be reviewed de novo by 
   the appellate courts; Bankruptcy Appellate Panel erred in applying 
   a clearly erroneous standard of review; in this circuit, undue 
   hardship is evaluated under the totality-of-the-circumstances 
   test set out in In re Andrews, 661 F.2d 702 (8th Cir. 1981), and 
   bankruptcy courts are directed not to apply the three-part standard 
   set forth in some Second Circuit cases; case remanded to the BAP 
   for review under the de novo standard.