In this image provide by Ashley Hardin, Ashley Hardin, 38, of Seattle, poses in Seattle on Thursday, Jan. 13, 2022, 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)