<prompt> Human: Its actually my daughter, but whatever. In the US. She, like many other college students, got a credit card in college and used it. Then stopped using it, but was only making the minimum payments. She hasnt charged anything on it over almost four years, but still owes 2000. She did the math and found that she has more than paid what she charged on it, but has been paying interest in interest for the last three years. Is there a way to get this written off? Her credit score is already low, so it wont kill it if it affects her credit score. She knows now how to rebuild it. Any positive advice is welcome. Thank you in advance.  <response>: i think you need to teach your daughter how interest works. she cant just tally up how much shes paid and then assume oh, ive paid the original balance so everything should be okay. if that were the case, my mortgage would be paid off in 15 years and not the 30 year term that i signed.you can always call the credit card issuer and request some sort of debt forgiveness or some sort of reduced payment plan. ymmv, but it never hurts to ask. 