Question: I defaulted on my student loans years ago. Now I want to clean up my credit and repay the loans but do not know what is the best way to go. The latest letter from the collection agency listed these numbers (I believe the original loan amount is correct): 1) Original loan amount: $15,000 2) Interest: $12,000 3) Fees & Costs: $ 6,750 ======= Total $33,750

I’ve read somewhere that if I repay the loan in full, I can negotiate to:

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