<prompt> Human: I have two separate student loans, one for 9k and one for 49k. Ive been paying the minimum payment for the past 5 years and if I keep doing it this way it will take me another 15 years and my total payments will add up to around 200k. But now I have an inheritance I can pay them off with. But Ive heard about people who have been missing payments calling and making a deal with the loan company to buy it all for less than the principle. Problem is Ive been making payments reliably the whole time. Is there anything I can say to them on the phone to get them to take less than the total?tl;dr - have lots of debt, good credit, and an inheritance, looking to save some money  <response>: You cant erase student loans with bankruptcy. Because of that, the student loan people know theyve got you forever until you actually pay off the entire debt you owe. They have no reason to offer you a deal. 