I have student loans that have been delinquent and have come to the point where if i do not take a settlement offer or pay in full, it will go to court. I also have a similar situation with a credit card. I made two large payments, switched jobs, and was unable to continue payments, so they are going to probably sue me too. i need help, i need to pay off these delinquent accounts and clear my credit. but due to my delinquent accounts, i was told i would not get a loan. So how in the world am i supposed to come up with this money?