After about 1.5 years of not being able to pay my student loans, I've begun the process of ting to repair my credit. I called NES regarding one of my accounts today and offered them a settlement of approximately 60%. Based on some of the other threads I've read, I've learned I may have offered too much.
I have a few questions, did I offer too much? Are there any things I should keep in mind while attempting to settle this? Any best practices or advice?
I sincerely appreciate the help.