<prompt> Human: Long story short, I went back to college to see if it was something I couldwanted to do, finally decided it wasnt for me and was too much time with current obligations and work. When I enrolled I forwent the Student loan and decided to just pay tuition upfront essentially, since I did not choose to accept the student loan, the university put me on a monthly payment plan, which I held to until I decided to quit. I now have about half of that balance remaining, but would really rather not pay it, since I am trying to save for a down payment on my and my wifes first home and have no intention of going back to school.My question is since I did not accept a loan of any sort would me just letting that balance sit negatively affect my credit or is it possible that the university would take action against me? Or would it be fully in my best interest to just pay it off, with the knowledge I have provided.Thanks in advance, all.  <response>: What are the early withdrawal terms at you institution? When you sign up to attend you agree to the Universitys terms which are typically along the lines of 100 refund before classes start, 75 through a week, 50 through 3 weeks, and 0 after 4 weeks. You took the spot of another paying student and are obligated to pay in accordance with your student agreement you signed to attend. 