I recieved a letter from tci total card inc saying 3 different options to settle my loan it even mentioned an origanl loaner being university of phoenix which was coreect. the amount was 1225.00 but i could settle for #307.00 within 30 days so i did so. when i called them the next day they sai it had nothing to do with my federal loans and that they would not reverse my money o the card. I feel like it was a scam this will not hel my credit or anything.