Remove Student Debt Charge Off?

Negotiate A “Pay for Delete” & Pay The Creditor To Delete The Charge Off.

Use The Advanced Method To Dispute The Charge Off.

Have A Professional Remove The Charge Off.

You are permitted to append an explanation of any negatives on your credit report, especially if they have some misunderstanding that caused them. I suggest you do that. Also, make sure that your financial institution where you are applying for the mortgage knows the circumstances about the debt. 

in simple words you owe a debt and trying not to pay it , its that simple , just pay the debt then it will be out the way .

Nobody is going to give you a mortgage with a debt.  You are dreaming if you think it will vanish or just go away after a few years.  It NEVER will.  And why would you think that they have to "work with you" about repayment.  You OWE the debt.  They are in a position to tell you the terms.  You are NOT in a position to make demands about repayment.  So pay as much of it as you can and make monthly payments for the rest, as much as you can.  Otherwise, you can kiss a mortgage lender goodbye - forget about it and IF you are so lucky to have luck on your side, your interest rate will be sky high due to your debt, that you ran from, without so much as an attempt to pay it off.

Is the debt still on your credit report?  When was the most recent date of delinquency?  If it's been more than 7.5 years, it is probably no longer on your credit report.

However, if the company got a civil judgement, it will remain a part of your public record until the debt is paid or the statute of limitations runs out (in my state that can be 20 years).

- If you have a civil judgement, you won't be able to get a loan until the judgement is paid (unless you can find a subprime lender). 

If you received the 1099C as a result of the 2016 law that debt forgiveness didn't cancel the debt. 

So these so called Experts said don't pay it ???

You still owe the money, the debt is not written off,

"Should I challenge that item on my credit report to see if it can be removed?"  No.  The information is accurate and you can't have accurate information removed.

"Do i need to pay the amount in full to get it removed"  Paying it in full will show that you finally paid your debt.  It won't remove the fact that you didn't pay it on time or as agreed because that part is accurate.

"Is there another way to get it removed?"   Have you still not figured out that your choices and behavior have consequences?

"but i was willing to pay something"   You should have been willing to pay what you agreed to pay.  Have you no ethics?

Big picture bottom line here...you borrowed money, never paid it back, have no intention of paying it back and now you want to borrow even more money.   Don't you think lenders have a right to know that?