@Radical_EgoCom Don't pay it, a credit score isn't worth that much money. I mean that literally, the median credit score in the US is ~690, that will let you borrow $50k-$100k. If you don't pay the student debt and the score drops to 0 (for the sake of argument) you are sacrificing $100k in the future to not pay $315k now. It's literally not worth paying hundreds of thousands that you have now for the possibility of a third that amount in the future.