I was like that at one point around 6-7 years ago. My personal opinion is that you should pay them all back in full, because it was you that fucked up and borrowed more than you could afford to pay back.
But im aware that there are loads of loopholes now and you may as well use them to your advantage.
I don’t advocate these companies, i think they’re vultures and they prey on people in bad situations, but self respect for me, dictates that I should pay for my mistakes.