All articles in Settling Student Loans
How to negotiate with debt collectors, what a reasonable settlement looks like, and the tax surprises that catch borrowers off guard.
18 articles
18 of 18 guides
How settlement works
01Can You Settle Student Loans? Yes — Here's When and HowYes, you can settle student loans for less than you owe — but only after default. Here's who qualifies for federal vs. private, and what it costs.Apr 20267 min02Can You Negotiate a Student Loan Payoff? How to Settle for LessYes, you can negotiate student loan payoffs. Discover insider tactics to settle private loans for less, without wrecking your finances.Jun 202512 min03Federal Student Loan Settlement: How the Department of Education Compromises DebtFederal student loans can be settled, but only in default and only through the Department of Education. Here's how compromise works and what you'll pay.Apr 202611 min04Negotiating Federal Student Loan Settlements: How It’s DoneDiscover if settling federal student loans is an option for you. Get the essential information you need to make informed decisions.Apr 202512 min05Settle Student Loans for Pennies on the Dollar? It’s PossibleSettle Student Loans for Pennies on the Dollar? It’s PossibleMay 20227 min06Ready to Pay Off Student Loans in a Lump Sum? Here’s HowReady to Pay Off Student Loans in a Lump Sum? Here’s HowMay 20228 min07Can You Settle a HEAL Loan? Here’s What to ExpectHEAL loan settlements require lump sums, rarely cut principal, and hurt credit. See when the government agrees and safer options to consider.Aug 20254 min
Servicers & agencies
01How to Settle Navient Student Loans After DefaultDefaulted on a Navient loan? Here’s how settlement works, what deals look like, and when Navient will negotiate.Nov 20258 min02FAMS Student Loan Settlement Offer: How it WorksFAMS is a legitimate debt collector for private student loans and other debts. Here's a deep dive on whether you should accept a settlement offer.Jan 20235 min03Asset Recovery Solutions: Student Loan Settlement OptionsIf you're being contacted by Asset Recovery Solutions, it means that a company you owe money to has asked ARS to try and collect from you. Tate Law can help negNov 20226 min04Nelnet Lawsuit and Settlement: Is It Real and Can You File a Claim?The $10M Nelnet data breach settlement is real, but the claim deadline has passed. Learn what the lawsuit covers and what happens next.Mar 20264 min05Younomics & My Rich Uncle: Repayment & Settlement OptionsYounomics & My Rich Uncle: Repayment & Settlement OptionsMay 20225 min06AES NCT on Credit Report: What It Means and What to DoConfused about AES NCT on your credit report? Learn what it means, how it impacts your credit, common problems, and steps to fix or address issues.Jan 20257 min07Can Sallie Mae Garnish Your Wages? What Actually HappensCan Sallie Mae Garnish Your Wages? What Actually HappensDec 20253 min
Credit & taxes
01Does Settling a Debt Hurt Your Credit? Here’s What To ExpectDoes Settling a Debt Hurt Your Credit? Here’s What To ExpectMay 202212 min02Remove Settled Accounts From Your Credit Report and Rebuild CreditRemove Settled Accounts From Your Credit Report and Rebuild CreditMay 202211 min03The Tax Implications of Settling Student Loan DebtThe Tax Implications of Settling Student Loan DebtMay 20224 min04“I Feel Liberated!”: How Eddie Got Free From $68,897.80 in Private Student Loan Debt“I Feel Liberated!”: How Eddie Got Free From $68,897.80 in Private Student Loan DebtMay 20225 min
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