<prompt> Human: My dad refuses to cosign anymore loans since dropping out... I work a minimum wage jobcurrently working on getting my cdl, taking the test this satudaybut they have already gone to collections conerning the loan. I dont know what happens next or what I do. I make very little money right now, because I work in catering and there is nothing going on atm.  <response>: pay what you can, when you can. they will drag your credit through the mud, but thats the consequences of defaulting on an obligation. 