I think there should be some way of lenders forgiving their portion of the loan- or part of their loan. This way, people can work out deals with individual lenders for lower amounts and then their portion of the loan can be forgiven. At such a point loans may be able to be paid back. Of course, this also would require the upcoming user to user messaging system. I would forgive some of my late loans or portions of the loans to get something back- especially if I'm up overall because of exchange rate. Obviously it should be a lender's choice to participate in this, and rating would be available if they do it. At least during such an exponential period this could be a possible feature.

I would like to work things out with borrowers, but I can't then remove the amount they owe me according to the system.