Hey guys, first post here. First off im 21 and make 2-3k a month. I have a $207/monthly student loan in collections from when I was 17 (I did a few semesters early and dropped out) well the payment terms are only for about 3 years, should I call the department of revenue to try and lower it or should I just bite the bullet and learn to survive on a little less, also how much would it raise my credit after paying it off?
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