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You can explain the financial hardship, note that a voluntary settlement will be cheaper all around, and would ask for the courtesty and accomodation in light of that, and to avoid a possible bankruptcy filing.
Good luck. Often such resolutions occur. Kindly rate me 5 stars.
Bankruptcy risks discharging the debt and something that may scare them. Coupled with wanting to work with you and avoid legal fees, it may lead them to reconsider.
If you pay the principal without interest, they may not pursue it, but they may well continue to charge it for future monthly payments as a fee.
If they imposed the fees, and wont waive them, your paying online does not change the amount.
If their fees are arbitrary, not applied to others, you can contest on those grounds as well.
Likewise if the interest/fees are high/unreasonable
If not contained in bylaws, minutes, resolutions, can contest as lacking authority.
You can attempt all of the above. Is the answer clear and acceptable?