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: Most private lenders like Sallie Mae or SoFi will only discuss settlement after you have defaulted or shown severe financial hardship.

: If you were in an ineligible deferment or forbearance while working for a qualifying employer, you can pay a lump sum to make those months count toward your 120 required payments. buy my student loan debt

: Federal student loan settlements (paying less than you owe) are extremely restricted and typically only occur after long-term default. 2. Private Student Loans: Debt Settlement : Most private lenders like Sallie Mae or