<prompt> Human: Ill start this off by saying Im generally ignorant of the whole situation, but Ill do my best, and answer questions to the best of my ability. Apparently my girlfriend has neglected paying her outstanding student loans and has deferred them as well. She just came to me in tears saying that they told her if she didnt pay the remaining balance of 3,254 by April 6th, they would Turn it over to the state.My first reaction was to get in touch with the school directly and see if they would work out a payment plan, but they were closed today. So I figured I would get your opinions first. Also, should contacting the school be the best course of action, how should I approach them?She has talked about trying a debt consolidation loan, since we both have small credit cards, I have an 800, and she has a 500 but from what Ive seen, most people dont encourage getting debt consolidation if your debt isnt above 5k. Anything help, and thanks in advance!Edit 1: student loans are deferred until June, apparently the college itself is charging her the 3254 for dropping out mid semester. That is what is owed by April 6th.  <response>: OP, Im going to risk a lot of downvotes and just say this:I wish I only had 3,300 in student loans. that would take me months to pay off, at most.Unless they are adding on exorbitant fees or she is involuntarily unemployable for some reason she needs to just suck it up and pay these off. On her own.I think she should count herself very lucky that she managed to have such a small amount. She can pay this off in a few months even in an entry level position. 