FOR PUBLICATION UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT In re: STEPHANIE TRUVONNE  HAWKINS, Debtor, No. 04-17475 OHIO UNIVERSITY,  BAP No. EC-03-01490-SPB Appellant, OPINION v. STEPHANIE TRUVONNE HAWKINS, Appellee.  Appeal from the Ninth Circuit Bankruptcy Appellate Panel Brandt, Perris, and Smith, Bankruptcy Judges, Presiding Argued and Submitted November 15, 2006—San Francisco, California Filed December 4, 2006 Before: William C. Canby, Jr., John T. Noonan, and Richard A. Paez, Circuit Judges.

Per Curiam Opinion

19045 19046 IN RE HAWKINS

COUNSEL Donald M. Stevenson, Stockton, California, for the appellant.

Larry J. Cox, Rocklin, California, for the appellee.

OPINION PER CURIAM: Ohio University appeals the judgment of the Bankruptcy Appellate Panel (BAP) discharging Hawkins from a debt resulting from a judgment against her for breach of contract with the university. The BAP held that this debt and the resulting judgment did not meet the criteria for a loan or edu- cational benefit that are excluded from discharge under 11 U.S.C. § 523(a)(8).

We adopt the opinion of the BAP and affirm its judgment.