385 B.R. 800 (2008)
IN RE FRANCIS;
No. WY-08-015, 05-22882.
IN RE FRANCIS;
FRANCIS
v.
SALLIE MAE, INC.
No. WY-08-015, 05-22882.
United States Bankruptcy Appellate Panel of the Tenth Circuit.
May 6, 2008.Decision without published opinion. Affirmed.