re: Finally did it. After 12 years, my student loans are finally be paid off.

Same with me too OP!!!!

Well kinda the same but opposite.

I just knocked up my gf, so Ill be making sizable child support payments for the next 18 years!!

Woo Hoo!!!

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Rontavious, congrats, but how did you get them to agree to a settlement??

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Pay them off in a lump sum that's the only way I am aware. When they put you in default the collection fees begin spiraling upward quickly.

Of course, they would have loved for me to enter into their "credit recovery" option. DO NOT DO THIS IF AT ALL POSSIBLE. It is basically a "pay for delete plan" that takes the negative treatment off your credit report but doesn't do shite for your balance while you are in the plan.

Yes, it was a settlement. But believe me I paid principal plus interest. But if I had resumed paying on an installment basis I would have been, essentially, financing a shitload of collection fees which was not tolerable.