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Hello, I am currently helping my fiance clean up her credit profile. We are working on settling a private student loan debt. The original creditor is Sallie Mae, and the account is being serviced by Windham. We recently sent a letter proposing a 30% settlement. To our surprise, they returned a letter accepting the offer. Our concern is that the letter has no distinguishing features. No reference to the person authorizing the settlement, etc. The Windham collection account number is referenced and the wording that the account will be considered settled and paid reflecting a zero balance due. It appears that the letter has the appropriate Balance due and does state the amount to be paid. We wanted to know what is needed in a settlement letter in order for it to stand up in court should the debt be brought up again. Also, if you have settled a debt, what wording were you given, and what are you comfortable settling with as far as documentation goes? I have read a bit here and there, and it seems that what we have may suffice. But it still seems like so little and I have a fear the Windham will collect their bit, and sell off whats left. I look forward to your replies, and being able to help others out in the future! Thanks for your help!