Can I negotiate with student loan collection?

[MaineMortgage]

What state are you from? Maine
I have student loans in the amount of $31,0000 that I need to start repaying.They are in collections with a company called General Revenue Corporation.I am more than willing to start repaying them now that I have a decent paying job,and have the rest of my financials sorted out.The collection company is on the verge of wage garnishment,all the more reason for me to start paying willingly.The problem is that I get the strong feeling that they are trying to dictate what they feel is appropriate for my monthly payment($350).I'm trying to get them to come down a little,but they say that's the minimum payment they will accept without a large down payment.Do they have room to negotiate and are just trying to shoot high for some type of commission payment?Again,I don't mind paying the $350 if that's really what they need to avoid wage garnishment,but I feel like they are selling me on that payment when in reality they will go lower.

[Neal1421]

Originally Posted by MaineMortgage

What state are you from? Maine
I have student loans in the amount of $31,0000 that I need to start repaying.They are in collections with a company called General Revenue Corporation.I am more than willing to start repaying them now that I have a decent paying job,and have the rest of my financials sorted out.The collection company is on the verge of wage garnishment,all the more reason for me to start paying willingly.The problem is that I get the strong feeling that they are trying to dictate what they feel is appropriate for my monthly payment($350).I'm trying to get them to come down a little,but they say that's the minimum payment they will accept without a large down payment.Do they have room to negotiate and are just trying to shoot high for some type of commission payment?Again,I don't mind paying the $350 if that's really what they need to avoid wage garnishment,but I feel like they are selling me on that payment when in reality they will go lower.

You may have had room to negotiate when you were originally supposed to begin payments, you could have had them lowered. However now that it has been sent to collections, they don't have to negotiate with you at all.