I will try to make this short…

My wages have been garnished for one loan since March 2013. I haven’t tried to fight it because I assumed, knowing my penchant for laziness, this was the best way to see it paid off considering I had made no effort myself. Shortly after in April I realized that my credit score was probably in the toilet and seeing as my car is 14 years old, it was going to be really tough to try and get a decent car loan to replace it. I began the journey of fixing my credit in April, getting a second job and paying down credit card debt but never paying more to my student loan. In January 2014 I finished paying off my credit debt and called my collection agency for the student loan to see what my options were. She explained I could rehabilitate my loan doing the 9 payments in 10 months. She put me on hold to crunch the numbers only to come back and tell me that if I continue at the rate I’m at I will have the loan paid off sooner than 10 months and so I did not qualify.This saddened me because I knew rehabilitation would also help my credit.  As it is one loan I also do not qualify for consolidation. So my questions is…

How can I go about paying off the rest of this loan (about $2000) to see the best outcome for my credit? I was considering sending a letter for a goodwill adjustment as I am in a position to pay it off within the next 3 months by doubling the monthly payment.

I have spent countless hours trying to find an answer to this but have been unable to find an answer. if there is an answer to this somewhere else a link to the answer would suffice in response. Thank you!