<prompt> Human: Currently have 4 Great Lakes student loans totaling 21k at 6.55. Thinking about making a one-time payment to pay it off completely, but have a few factors to consider. Before I even begin to take those factors into account, I am wondering if Great Lakes would be willing to reduce the total amount of the loan if I give them this one-time payment - thinking lowering the balance to anywhere between 15k-18k doubt they would go to 15k, but who knows.Has anyone ever done this before successfully? Anything to take into consideration before I contact them?Really appreciate the help.  <response>: Whats in it for them? They can wait 10 years for you to pay them off. 