A “vast majority” is not all and I think we are talking about millions upon millions of borrowers. Many students consolidate students loans in the years after graduation to simplify their lives and usually to lower their interest rates. I suspect many of those are consolidated to private lenders. I am not so sure it will be easy to negotiate with loan service providers, particularly as they get more busy fielding requests. But I am glad that many of you are more optimistic than I … certainly I hope the Forbes article is mistaken.