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PFS has been collecting a debt of 235. 00 each month for almost three years. This debt is the result of co-signing a loan for my sister in 2004 when I was still working. I was laid off in 2006. I was already having health problems before this so I had to retire and go on full disability. My sister was also laid off leaving me with the debt. Since I have been paying Sallie Mae has agreed to accept 6,000. 00 to buy my name off the account.