Sounds like a forced foreclosure in real estate, where the owner makes statement to his lien holder.
Except, in real estate you owe money to the banks, not to the government.
The whole "loan forgiveness" was just a bait to get votes. The clueless students fell for it. Of course, public schools wont teach students that government is not a god, but a corporation. And corporations are engaged in commerce. As such they have an obligation to respond to your offer if you issue an offer. How they respond depends on the case, but having "zero reason to negotiate" is not the same as being free of the obligation of negotiating a proposed offer. They can try what they want to get their desired outcome, but so can you. By the way, I am not talking about getting out of something you can actually afford to pay. I am talking about the topic of commerce and sovereignty. All it takes is little of research.
The point is not to game the system, the point is to function within the system in accordance with how it actually sees you: as a party to commerce. If you aren't spiritually inclined, you might not get far with your research because it's more about knowing who you are than about practical application in specific cases. I usually don't even bring this stuff up because usually people who aren't able to figure it out on their own are not ready to accept the reality that everything is commerce. It's unbelievable for most people who grow up in the system we have, because all they know is that government is a god and they depend on it. But more and more people are waking up.