<prompt> Human: I have 57K in student loans once you add unsubsidized interest to them. All but one are federal loans. Im going to consolidate all of my federal 18 individual ones so that I have only one lower payment than if they were separate. They dont start repayment until next summer since Im in school until December. At the end of the spring, well be able to pay off the private loan in full before payments start. With the accrued interest, it will have a balance of 5000 by the summer and its a variable 6.74 started out at over 11. Also, its through Chase, in case thats relevant. What is the likelihood, do you think, that if I call them when we are ready to pay it off in a lump sum before repayment starts that they might knock a few hundred dollars off? I know its a long shot, so I wanted to ask any of you if youve had any luck getting a slight discount by paying a student loan off this way? Its not a huge deal, since wed have the full amount ready. But I dont want to just throw 5K at them if they would take less. Thoughts?  <response>: Well if you dont pay early, they begin actually making money by accruing interest. If they go this route, they lose money by not only accruing no interest, but also by relieving your debt by a few hundred. I highly doubt this route will work. Let us know if it does! 