<prompt> Human: So I have a bit of money that I would like to put towards my student loan debt and I have a question about this. Ive heard before that you can negotiate with the lenders to bring down the price of a loan if you pay it all off at once. Just curious if this is true, and if so how much one could negotiate with say a 3k loan. My goal here being to get a head start on these before I graduate college and was thinking that this might also improve my credit score significantly. I do have other more expensive loans but this one seems like one that I could pay off completely. Is it better to do that or to spread the payment across all my loans equally?  <response>: There are some lenders that will negotiate the total balance of a loan, but only if you are currently in default and actively wrecking your credit score, and only then, its not something student loan lenders would do. Since student loans arent eligible for bankruptcy, they have no real reason to let you pay less than what is owed. 