I need to help somebody that put themselves in a bad spot with

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I need to help somebody that put themselves in a bad spot with different financing companies.

I managed to help them pay off two loans already,
they still need to pay off three loans (ca. 30k€) that have rates around the 250€/month mark
and three credit cards (around 3k€ each).

I'll pay off 2 of the credit cards so that they can direct some income to pay the rates and expenses.
Is it possible to negotiate the rates of a loan? I'd try to ask to lower them to 100€/month
and then have them extinguish the loan by the end of the year when they get their retirement pay.

Are they gonna try and start a back and forth to get as much they can out of the interest on the rates?
Because this person has never been on time with the payments and is a few months late as of now.

Any suggestions?