Qian resides in a state that has a $$50,000$ homestead exemption. She defaults on a loan extended by Rely Bank, owing $$60,000$

Her home is sold at auction for $$90,000.$ The creditor is entitled to

a$.$ $$0.$

b$.$ $$40,000.$

c$.$ $$30,000.$

d$.$ $$60,000.$