<prompt> Human: The total is 16k, and I now have the 16k. Ive heard of settling loans for individuals who default. Is there a negotiation or settling I can do with navient? Can public student loans be negotiated for a reduced lump sum?Ive seen some individuals on the sub mention paying with a credit card for cash back or points? Thanks for the help! 2 x DIRECT STAFFORD SUBSIDIZED SULA ELIGIBLE 5,500 with navient DIRECT STAFFORD SUBSIDIZED SULA ELIGIBLE 3,500 with navient FEDERAL PERKINS 1,500 with school  <response>: I dont think you are going to be able to negotiate a lump sum discount if your loans are in good standing. Generally the banks will only offer a discount if the alternative is receiving zero or or being forced to sue and then try to collect a judgement.If your loan servicer accepts credit cards, that may be an option. You should verify that there isnt a fee though as many will charge a fee greater than what you would earn in rewards.If you have the money available, just pay the loans off so you are no longer accruing interest. 