<prompt> Human: Please let me know where I should post this if Ive gotten the wrong subreddit.About me: 27, married, declared bankruptcy in fall 2009 and was behind on student loan payments. They worked out a deal with their internal collections department where I pay 450 a month until my loan is gone, and theyll knock the interest down to 0.01. I was talking to them today, and they mentioned that they would be willing to settle my account for a lump payment of 10,000. I dont have much in savings, but I am curious if it would be feasible for me to qualify for a loan from somewhere to cover that 10k and just pay THAT off at 450 a month and dramatically improve my debt to income ratio. I do have a 401k that might offer such a loan but I cant guarantee that I will be at the same job until its paid in full. Happy to answer any questions and thank you in advance.EDIT: Well it looks like I have some work to do. I really appreciate the feedback and Ill find ways to better allocate our income until Ive saved enough to pay sallie mae off.  <response>: For everyone screaming about Netflix, spotify, and wow. Get real. This is such a tiny part of his expenses and may be something he really enjoys. Now the 1800 rent and cc bills is something he needs to reduce. Also 400gas could be between 2 cars and one being sales 