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136016P.pdf   08/21/2013  Chelsea Conway  v.  National Collegiate Trust
   U.S. Court of Appeals Case No:  13-6016
   U.S. Bankruptcy Court for the Eastern District of Missouri - St. Louis   
   [PUBLISHED] [Saladino, Author, with Kressel and Shodeen, Bankruptcy 
   Judges] 
   Bankruptcy Appellate Panel. Bankruptcy court erred in determining debtor's 
   student loans were not dischargeable as she established that her past and 
   present financial resources have been and are presently clearly 
   insufficient to service the entire debt while maintaining a minimum 
   standard of living, and there is no evidence to show she may have the 
   possibility of earning a higher income in the future; as a result, the 
   matter must be remanded to the bankruptcy court to determine whether 
   debtor's present disposable income, if any, over the course of an entire 
   year is sufficient to service any of the individual loan payments due NCT.