District court opinion in Lee Bender v. Educational Credit Mgmt. Corp. (In re Bender), A01-4028, BK01-40345, Ch. 13.pdf
Bankruptcy court's ruling that student loan debt was discharged was reversed as premature. Such a determination should be made near end of Ch. 13 plan, when debtor's future financial condition is more readily apparent. Aff'd 368 B.R. 846 (8th Cir. 2004)