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IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND RICHARD MICHAEL SHEER v. : : : EDUCATIONAL CREDIT MANAGEMENT CORPORATION IN RE RICHARD MICHAEL SHEER : : : : MEMORANDUM OPINION This is an appeal from an Order of the bankruptcy court overruling a chapter 13 debtor's objection to a proof of claim. Debtor argued below that his consolidation loan, the proceeds of which were used to refinance a series of educational loans, was discharged in a prior Chapter 7 proceeding. The bankruptcy court Civil Action No. DKC 99-2080

held that the consolidation loan was an "educational loan" within the meaning of

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Maryland Law