102032P.pdf   08/18/2011  Michele Walker  v.  Educational Credit Manag.
   U.S. Court of Appeals Case No:  10-2032
   Appeal from the Bankruptcy Appellate Panel for the Eighth Circuit   
   [PUBLISHED] [Wollman, Author, with Murphy and Colloton, Circuit Judges]
   Bankruptcy - discharge under section 523(a)(8). Educational Credit
   Management Corporation appeals from discharge of student loan under
   "undue hardship" provision of section 523(a)(8). It was not clear error to
   consider debtor's financial condition from date of discharge to date
   debtor sought undue hardship relief. No clear error not to calculate and
   include husband's part time income in light of parties' stipulation. Even
   considering errors in stipulated gross adjusted income figures, the
   expenses outstrip available resources. Despite concerns about the
   reasonableness of expenses, in light of overall circumstances, excepting
   student loan debt from discharge would impose an undue hardship. 
   Judge Colloton concurs in the judgment.