<prompt> Human: My girlfriend was in beauty school many years ago, and never finished due to life. It has gone to collections, and she tells me that it cant be paid off in payments, that it has to be paid in full. Ive never seen any of the paperwork and know nothing about this sort of thing, so Im confused as to how or why it would have to all be paid at once, rather than payments. Can anyone chime in on this matter?  <response>: Dude... Dont be a chump. 