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Hi all, I recently decided to call a student loan help center. The person I spoke with recommended to me letting my default private student loan fall off my report, since it is only a year a way from doing so and also past the statue in my state for any lawsuits to be brought against me. Is this good advice? If I start making a payment will it reset the whole 7 years? Am I better off waiting for it to fall off my report, then when I have the funds settle or try to pay in full? Thanks !