<prompt> Human: I dont know much about my sisters loans, but I know its to many different organizations, private federal, and that there are different rates terms for each one. She is getting me more detailed info. The total debt is around 70k as far as I know.I have a few questions:-Has anyone here paid off their school debt in a lump sum? If so, are they willing to negotiate? What kind of discount have you received?-I know my sister wont take advantage of my parents intentionally, but what are some structures of family based debt that have worked out for you in the past? Keeping good records is an obvious one. My parents are thinking 500month with no interest until the debt is gone.-She is overdue on some of the payments, I think by a few weeks. I dont have much detail other than that. If negotiation of the amount is an option, will this hinder us or help us?-Any other advice or suggestions will be much appreciated. Thanks!  <response>: No, the lenders have no incentive to negotiate with you. Your parents should assume that your sister is never going to pay them back, and treat this as a gift. Thats the only way to ensure it doesnt end badly. 