I've been dealing with the collections agency, but they won't put anything into writing. they've told me its better to do a settlement that a rehab. that to do a rehab, I have to have automatic check withdrawl that a rehab will stay on my credit report for 7 years, so I should just do the settlement. From this site, I know thats not true Can I work directly with the DEpt of EDucation? the collection agency says I can't, but can I?