Hey all, so I used a company called My Credit Counselor, owner is Andrew Weber. Super rad guy and very aggressive with Navient. He’s not cheap at all but will get you a great deal and pretty quickly. totally not a promo for him as I have no ties or anything save for being a former client that likes his work I’m on a five year, ZERO percent interest plan- but the down payment was very big to navient. What’s cool though is he said after a couple years we can probably go back to Navient and settle for even less if I can come up with a decent chunk of cash.

I wanna say it was close to 6-7 months? I went over a year and a half though without paying them a dollar and then settled with them