Student loan balance of approximately $5,049.35, consisting of $3,522.77 in principal, plus $1,500.31 in pre-suit interest, and further costs of $26.27.  Settled for discounted lump-sum of $3,200.00.  Providing a true savings of approximately $1,849.00, a 36% reduction.  Creditor represented by Weltman, Weinberg & Reis Co., L.P.A.