269K views · 1.1K reactions | There’s only one thing that could make a private loan better than a federal loan: They have the ability to negotiate and make deals on the payoff amount. We were able to negotiate the payoff of one of our debts by 20% and on another one they knocked off a decent chunk of interest and fee’s that had accrued. You need to ask and be persistent. And have that money ready to go in a lump sum, or else they wont make the deal. | Jade Warshaw | Facebook