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In order to get a lender to actually negotiate reduced payments and/or a reduced principal balance, typically the borrower has convince the lender of two things: There are many different approaches to settle student loans and results are IN NO WAY guaranteed.
Debt settlement companies help borrowers understand what lenders typically require to settle and often use the leverage of having many clients who want to settle and then settle in bulk to get the best deal for their clients.
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For more information on student loan consolidation, see our page here.
You can either attempt to do this yourself, or you can hire a debt settlement firm that specializes in settling debts.
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