I used a spreadsheet to track each month's payment and the outstanding balance of every debt we had. (getrichslowly.org)
In a debt settlement, the lender agrees to accept less than the full balance of a debt in return for a lump - sum payment from the consumer. (debt.org)
If you hold a qualifying job for 10 years and make qualifying payments, you could have the remaining balance of your debt forgiven. (studentloanhero.com)