Payments Annuity

i was in a accident when i was a child and i ended up getting a insurance settlement from symetra financial i was thinking about selling one of my payments that is due in 2017 the amount due is 93,000 but they only are offering me 33500 i calculated the present value with the fed rate at 3.60 and the present value is 69,467.03 is there a way i can get that amount? since the 93,000 is guaranteed

also he guaranteed me that i could buy a condo… im in the miami area only problem is im only 21 and make less than 7000 per year. and i have bad credit. i dont see how i would be approved