Kathryn Nielsen v. ACS, Inc., No. 14-3584 (8th Cir. 2015)

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Court Description: Per Curiam - Before Loken, Bowman and Murphy, Circuit Judges] Civil Case - Bankruptcy. Judgment of the Bankruptcy Appellate Panel affirming the judgment of the Bankruptcy court denying debtor's request to discharge her student loans is affirmed without comment. [ November 12, 2015

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United States Court of Appeals For the Eighth Circuit ___________________________ No. 14-3584 ___________________________ In re: Erik Nielsen; Kathryn R Nielsen lllllllllllllllllllllDebtors -----------------------------Kathryn R Nielsen lllllllllllllllllllllAppellant v. ACS, Inc.; Educational Credit Management Corporation lllllllllllllllllllllAppellees -----------------------------In Re: Erik Nielsen; Kathryn R Nielsen lllllllllllllllllllllDebtors -----------------------------Kathryn R Nielsen lllllllllllllllllllllAppellant v. Iowa Student Loan Liquidity Corporation; Educational Credit Management Corporation lllllllllllllllllllllAppellees ____________ Appeal from the United States Bankruptcy Appellate Panel for the Eighth Circuit ____________ Submitted: November 6, 2015 Filed: November 13, 2015 [Unpublished] ____________ Before LOKEN, BOWMAN, and MURPHY, Circuit Judges. ____________ PER CURIAM. Kathryn Nielsen appeals from the decision of the Bankruptcy Appellate Panel affirming the judgment of the Bankruptcy Court1 denying her request to discharge her student loan debt under the “undue hardship” provision of 11 U.S.C. § 523(a)(8). We have reviewed the record and Nielsen’s arguments on appeal, and we find no basis for reversal. See Educ. Credit Mgmt. Corp. v. Jesperson, 571 F.3d 775, 778–79 (8th Cir. 2009) (standards of review). To the extent Nielsen has raised new arguments on appeal, we decline to consider them. See Juarez v. Minnesota, 217 F.3d 1014, 1017 (8th Cir. 2000) (“We generally decline to address arguments raised for the first time on appeal . . . .”). We affirm the judgment of the Bankruptcy Appellate Panel. 1 The Honorable Anita L. Shodeen, United States Bankruptcy Judge for the Southern District of Iowa. -2-

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