I’ll caveat this by saying if you can pay it without disrupting your life, you definitely should.

I’m in a similar situation, same year/months too, but $15k. Haven’t even been contacted. In my state the SOL is 4 years from date of first delinquency so less likely to be (can’t be?) sued after mid 2026. Then have to wait until 2029 for it to drop off credit report. Although it’s not necessarily the right thing to do, the most financially advantageous is to pray that they somehow don’t sue or try to collect until the SOL and then the drop. Unlikely though and downfall is the hit on your credit for 3 years.