<prompt> Human: Hello all, I have seen this issue posted here before, and while I have searched around I didnt find the posts I have looked at prevoiusly. heres my situation: went to college, finished in 2010, still have 20,000 in loans. I have not paid a dime, have been in deferment, etc. I have hard there is a method to negotiate with my loan servicer to reduce the amount owed considerably, especially if I pay up a good chunk up front. any information or insight would be appreciated.  <response>: Not gunna happen with federal loans. Government can size your tax refunds, garnish wages, etc. No reason for them to accept less. 