You can always dispute an entry on your credit report by going to each of the three credit bureaus and requesting an investigation of the debt.
I would suggest going to www.annualcreditreport.com to order your free credit reports from each credit bureau. Each of the three credit bureaus will let you make a dispute request online & you should hear back within 2 months. I know when I did this, I heard back within 10 days that the issue had been resolved.
Hope this perspective helps!
Other than what attorney Dorothy's valuable advice, I suggest find a contradictory record of your preoccupation during this time period. For instance, if you are going to another school, or had a job in a different part of the world, that can establish that you could not have gone and attended this school. Of course there were no online school in those days.
Only see a licensed attorney before you make any decision. This answer may not be perfect in any given situation. However, more fact may be required by your local attorney. If you are in Las Vegas, you are welcome to send your questions regarding Chapter 7, or 13 to Attorney Malik Ahmad at Malik@lasvegaslawgroup.com or www.fastbankruptcynevada.com or by calling (702) 270-9100. In many cases, we do not charge initial consultation fee.