<prompt> Human: I have a total of 6 loans listed all different types, therefore can not be consolidated. Good news: all are with the same lender Navient. How can i negotiate? It is possible to be like lower it to the original principle and i can do this much a month?  <response>: You cant just renegotiate your loans. If you default and it goes to collections, you MIGHT be able to settle for less than the full amount. But the full amount is going to go up if you dont pay. 