<prompt> Human: As I understand it, private concerns buy debt on the open market for a fraction of the total worth to the lender. Is it possible to buy back specific loans? For example, can I form a company with four or five college friends, we all buy back our specific loans and get the debt at a discount? This seems like the answer would be no, but just wondering how or why not?  <response>: No. You can buy a massive amount of random loans, not specific loans. 