Philadelphia Media Holdings LLC, which publishes the Inquirer, Daily News and philly.com, is negotiating changes in  loan terms with Citizens Bank and other lenders, Standard & Poor's Leveraged Commentary & Data debt news service told clients, citing unnamed industry sources. The company has been in technical default on a bank loan convenant; senior lenders on June 1 blocked payment to investors who hold the company's mezzanine debt, S&P said.