In this image provide by Ashley Hardin, Ashley Hardin, 38, of Seattle, and her mother, Lajay Gove, pose inside Layers Sandwich Co., a food truck Hardin runs with her husband, Avery Hardin, on May 29, 2021, in Seattle. Ashley Hardin will have about $108,000 in private student loan debt forgiven as part of a national settlement announced Thursday, Jan. 13, 2022, involving the student loan servicer Navient. The settlement, which still needs court approval, includes $1.7 billion in debt cancellation and $95 million in restitution, and it settles allegations of predatory lending practices by Navient. (Avery Hardin via AP)