Have you had any luck? I'm in the same boat. Your loan didn't originate with Lexington Student Loan Trust I LLC. They appear to be a subsidiary of Citibank (more like a faceless phantom company) that buys bad debt from AES, probably for pennies on the dollar. They make their money by attempting to collect on the bad debt. They cannot be contacted and MRS Associates won't do anything except offer you unreasonable terms. That's all you'll ever get out of them. They've offered me a lump sum settlement of around $20,000 or payments that would equal about $40,000 over 2 years. It's ridiculous! It makes me think they're just going through the motions so that when they take me to court they can show that they offered to work with me when in reality the terms they've offered are completely unconscionable.