Can I approach to modify the T&C of a private student loan just like a private student loan?

Are you asking about how to change or modify the terms and conditions of a federal student loan? If yes, then the answer is as follows:

Remember, a federal student loan is more flexible than private student loan when it comes to change the repayment plan.
You can change the loan repayment time. You can also pause payments.
You can lower your monthly payments.

To do so, you need to choose the right repayment plan. There are different types of federal student loan repayment options. So, to choose the right one, identify your pain point forst. Analyze your income before selecting the repayment plan for your federal student loan debt.