IN RE: Robert ALDERETE and Linda D. Alderete Debtors. Robert Alderete; Linda D. Alderete, Plaintiffs-Appellees, v. Educational Credit Management Corporation, Defendant-Appellant. U.S. Department of Education; Colorado Student Loan Program for State of Colorado, Defendants-Appellees, OSI Collection Service; Education Loan Service Center; State of Colorado; Whindam Professionals, Defendants.