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I have a loan in default and they have offered to settle should I take the offer or pay in full?
I have a student loan for 14000 and it is in default. They just sent it in collections again and it made my score drop a little not much because I'm paying all of my other bills on time and have got them caught up. I will have the money to get it out of default next year or take the deal and pay it off. I just want to know which one would help my credit score more?

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