În contextul următor:
„Payment of the total cost of collection and/or litigation if your loan(s) becomes past due and continues to be past due without your making appropriate arrangements with this institution to bring it current.” http://www.campuspartners.com/documents/D8218.pdf
Sau:
“A compromise effected under this section should be for an amount which bears a reasonable relation to the amount which can be recovered by enforced collection procedures giving due regard for any exemptions that may be available to the debtor and the time and cost of collection.” http://www.osec.doc.gov/ofm/credit/ch10.htm