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we are starting a simple barter with sallie mae in order to pay off our student loan debt. it entails searching through sallie's job boards to select a position that suits our skill sets, crafting a thoughtful cover letter to sallie proposing a barter (i.e. I'll be your graphic designer 20 hours per week, if you lower my monthly payments to $100 per month), and sending a letter to sallie on a daily basis so that she understands we are serious.