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  1. In the late 80's I went to bankruptcy court and they reworked my student loan. I am paying $300 until I am 78 years old, twelve more years, and I am paying 7% interest. I called and wrote Petra Shipman who was the person I always spoke to about defaulted loans asking how much I would have to pay if I were to pay it early. I'm thinking, like a mortgage you would save on interest. First she sent me a statement just showing where I was and the same payment until I'm 78 years old. Then she wouldn't call back. I sent a certified letter asking for information. I received no response. The company used to be Sallie Mae then USA Funds. Now it is called Navient. Does anyone have any suggestion? I was thinking of taking money out of my retirement so I wouldn't pay 7% interest. Thanks Barbara