The SOL is 3 years. Sallie Mae and Navient both are headquartered in DE so if they are going to sue you, it’ll be within 3 years. My recommendation would be to just set your sites on waiting out the SOL because in order for them to settle for less than 25%, it will need to be beyond SOL but why bother even laying at that point? They send everyone the pending litigation review letters. As long as you’re not making a substantial income, applying for loans and have a bunch of equity in a property, you shouldn’t be concerned about being sued.

Whatever county you reside, go to your court website and search case records. Enter Navient as the plaintiff and see how often they sue in your area. If you live in a small town, do the same at other local county courts and you’ll be surprised how few law suits they file. Sallie Mae hasn’t filed a case in San Diego in years. Just for an example. F Navient. I do this professionally as an independent contractor for law firms. I negotiate their accounts for them.