I had my student loan down to $7,500 but its back up at $8,600 is it possible to negotiate this ? or does anyone recommend getting a different loan and paying this off? what type of credit card is recommended to start fixing my mid fico of 584? and i taught i owed to more people but that did not show on my report? also i had cingular settle with me but it still shows on my report for the other half they had settled for?