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Private student loan in collections

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I have a student loan that defaulted with RBS citizens bank. Richard j Bordeau collection agency has sent me a letter trying to resolve this account. I owe 27,200. They have wanted to settle 60% of the amount. Which is 16,000.

I don't have that money. But I was able to borrow ten thousand from my sister to pay to settle. I'm waiting a response to the offer I gave them. Has any dealt with student collection? And what should I do when they accept the offer?

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