Hi. I'm hoping for some advice on my options going forward to tackle my debt. Some background: I got four different loans over a four year period during the years I was in college to support myself (2019-2013). I was working also so was able to keep up the payments. However during my final year I needed to give up work and I had some savings to I thought I could manage until I finish college and get a job. I eventually started to miss payments, 9 payments for all loans and AIB sent the loans to Intrum Justitia. The total Intrum require from me is 26,500 which I think includes the interest AIB added. Neither Intrum or AIB will give me clear answers. I started paying weekly in Jan 2015 and have 10,500 paid off and have 16,000 remaining. I have no problem continuing the payments and eventually closing the debt with Intrum however it's ICB report I worry about. Apparently the bad debts will appear on this until I have it cleared and even two years after the debt is cleared. That could be 5 years from now. I am wondering if I should borrow the money to close the debt from a family member and this would initiate the 2 year period on ICB so I could get that cleared as soon as possible. After talking about this option with my family member, I started wondering would Intrum offer a write off if I was to give a lump sum to clear the debt. All opinions would be greatly appreciated. Thanks.