OPINION
ARTHUR I. HARRIS, Bankruptcy Judge.
Chapter 7 debtor Kristin E. Gourlay ("Debtor") instituted an adversary proceeding against Sallie Mae, Inc. ("Sallie Mae") pursuant to 11 U.S.C. § 523(a)(8) seeking to determine the dischargeability of her student loan. The bankruptcy court entered a default judgment against Sallie Mae, and Sallie Mae filed a motion to set aside the judgment. The bankruptcy court denied Sallie Mae's motion to set aside the...
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