I'm impressed that you've gotten this far pro se. Congratulations!
Re the two nonappearing lenders, you would file motion for entry of default judgment, per Fed. R. Civ.Proc. 55, The pleadings for the motion should prove up the elements necessary for the court to discharge a student loan.
Re the appearing lender, if you do not intend to conduct discovery, then you could file a motion for judgment on the pleadings (Rule 12(c)), or for summary judgment (Rule 56).
Similarly, unless your adversary complaint contains sufficient evidentiary facts to make a prima facie case for the judge, then you will have to prepare pleadings and evidence with your motion sufficient to prove the elements for a discharge. Also, there are rules about formatting a summary judgment motion, most important is the submission of a "Statement of Genuine Issues," which requires a particular format, and as far as I'm aware, no fee sample exists anywhere online. However, you can purchase a practice guide at: http://ruttergroup.com/cartfcpt.htm.
Hope this helps.
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