<prompt> Human: Im about 60k in debt between my federal and private loans. Ive been on forbearance and just pushed the loans back another year because Im totally living paycheck to paycheck. However, a major career opportunity has presented itself and I was curious if these creditors would, say, take 35-40k or so at once and forgo the remainder of the debt, or is it not worth it for me to do so because they wont reduce my debt anyway?  <response>: Why would they? Student loans never go away unless you die. They can garnish your wages if you dont pay. They have no motive to settle. They will get the money back. 