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HI, I am in default on a private student loan. It was sent to a collection attorney and they said they would accept $100 dollars a month. They told me that it did not go as far as it could have gone and that they wont sue if I make the 100 a month payment. My dad is a co signer on this loan. I thought the loan was deferred but that turned out not to be the case. My question is if they say they wont sue me if I pay do you think they will? This has now turned into a 20k loan due to 5k collection fees they added on. I just dont believe they are actually planning on accepting that much. I told them I will pay more when I become an RN in about a year. Please help me out with this.