<prompt> Human: I decided college wasnt for me a little over a year ago. They started sending me bills for my student loans in september. I was bartending under the table and afraid to pay them. Now i havw a legitmate job but dont make much money. What can i do? I owe about 12000  <response>: Uh ... Pay them?Are they Federal or Private? How many loans at what interest rates and balances?If the bills were just last month ... you should figure out what theyre asking for ASAP and try to pay them something NOW to avoid getting latedefaulted status and the associated extra fees.You can put federal loans on an income based repayment plan that will keep your minimum payments low enough that you should be OK. To really help you well need to know more details. 