Hi -

I have consolidated loans (both subsidized and unsubsidized) around 100,000 that after more than 10 years in repayment I am still not even making a dent in the balance, despite having consolidated at a very low rate. I have heard that it is possible to negotiate a one time payment for a portion of the total amount, but I can’t seem to figure out if this applies to a loan that is not in default? Thank you!