 So, uh, in September of this year, I got a call from a law office saying that that loan now was 14,000 something dollars and they could settle it out of court for, uh, about $3,200. So for the fact is that I'm actually saving for a home and I want to, you know, uh, not have any increase on my, uh, my credit report because I worked hard to build up my credit. I paid them.