Can you negotiate a payoff of a student loan?

student loan
If you are to pay off a student loan in full, can you negotiate a lower payoff dollar amount? If so, how?
This is an existing loan I’ve had for a while.

Will I get approved for a personal loan at my credit union?

personal loan
My fico score is 629 and my income is 40,000 a year I want a 5,000 dollar personal loan. Will a credit union approve me?

I would like to change my student loan from sallie mae to another company. What is the best way to do this?

student loan
I have a 35,000 dollar student loan remaining with Sallie Mae. How do I switch? Or what company is a good company to switch too?
I have already started paying back the loan. But the rates are outrageous. I’m no longer in school.

If I refinance my car loan before making my first payment. Can a dealership or bank charge any kind of fee?

car loan payment
My used car loan rate I got from the dealership I bought my used car from is 8.77%. Seems like I will be able to refinance with a 6.4% rate. With additional expenses of a 75 dollar application fee and a 50 dollar title transfer fee. Loan amount is for little over 11,000 dollars. Seems like it may be worth doing.

does anyone feel like their student loan payments are going nowhere?

student loan payment
i have been paying on a small 3500 dollar student loan for two years, and it looks like i’m paying all interest. this *****! anyone else feel like this is a never-ending battle?

P.S. this is one loan. i pay on other student loans so right now i am unable to increase my amount.