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No. of Recommendations: 2
So you signed a contract to borrow money and now you want to negotiate a lower payback? Who exactly do you think is going to eat the difference? You state that you have already paid off your credit cards, and have cash in hand, so clearly you're not in a financial pinch.

Forgive me for being judgemental, but it sounds like you have questionable ethics. Your have an obligation to repay the debt that you incurred, but instead you're asking for a handout. Suck it up and pay what you owe.
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