United States Court of Appeals FOR THE EIGHTH CIRCUIT ___________

No. 01-1975 ___________

In re: Janet E. McCormick, * * Debtor, * _________________________ * * Janet E. McCormick, also known as * Janet E. Edwards, * Appeal from the United States * Bankruptcy Appellate Panel for Appellant, * the Eighth Circuit. * v. * [UNPUBLISHED] * Diversified Collection Service, Inc., * Clam of: United States Department * of Education, * * Appellee. * ___________

Submitted: August 31, 2001

Filed: September 7, 2001 ___________

Before HANSEN, FAGG, and BEAM, Circuit Judges. ___________

PER CURIAM.

Janet E. McCormick challenges the Bankruptcy Appellate Panel's affirmance of the bankruptcy court's refusal to discharge McCormick's student loan debt under 11 U.S.C. § 523(a)(8). Because McCormick has not provided a trial transcript, see Fed. R. Bankr. P. 8006, we must defer to the bankruptcy court's finding that McCormick failed to prove she could not repay this debt without undue hardship. See In re Clark, 223 F.3d 859, 863 (8th Cir. 2000). Because we have nothing to add to the Bankruptcy Appellate Panel's decision, we affirm on the basis of the panel's decision. See 8th Cir. R. 47B.

A true copy.

Attest:

CLERK, U.S. COURT OF APPEALS, EIGHTH CIRCUIT.

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