<prompt> Human: Im paying 600 month on a 115,000 debt awful college experience, underemployment for 4 years, been chipping away at it for the last 6 years. Sallie Mae called me today and offered to settle for 35,000. My credit rating is 680 after a year of a credit repair program through my bank.My take home is 35k.Any advice on how I can get a loan for 35k? I can still pay 600 month, and then Id be debt-free in 5 years, instead of 20 years, including interest.  <response>: For that amount? Probably only as a HELOCHELOAN. 