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Originally Posted by disneysteve
I don't see any options here. You incurred the debt. You now have the money to repay it as you promised to do when you borrowed the money. I think you have a legal and moral obligation to repay it. How that will affect your credit score is irrelevant in my mind.
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But if the OP can pay it off AND not have it ding their credit, that's an avenue worth exploring!