about 8000$. That sounds good to me. But the credit agenicies say the Govt will report the payment to all 3 credit bureaus . Thats bad. So here is my question. The loans are more than 10 years old . They do not show up on my cr. If i take the lump sum payment, and the payment is reported to the credit bureas, can I have them remove as more than 7 years old- the SOL thing?