<prompt> Human: I had an emergency visit in a hospital last year. Near the end of the year I dropped out of college, moved to and started working in California, Im making around 120kyear. Its a very stable job. My parents hadnt told me, but apparently Ive been receiving bills from the hospital since the beginning of December 2013... I literally just found out. Im in extreme panic mode right now because Im worried that debt collectors could start coming after me or something, or it could screw up my credit which right now is non-existant, and I dont really know how this works. I went to their website to see if they have payment plans or something similar, but I dont think Id qualify. And to apply it says it could take multiple weeks. I dont have ANY credit score at all, I literally just have a Wells Fargo college card with a 700 limit that I got like 2 months back. In my savings account I have 5k I could invest in paying off this debt, so I would need to get an extra 7k. Im planning on going to a Wells Fargo, showing them the hospital bill and saying I want a 7k loan to pay it off. Is that the best solution? I dont really know much about finance or related topics. I think I could easily pay off between 1k-2k per month.One concern I have is that I dont have anyone that could cosign with me... And I dont really own any property, the only big thing I own is a car worth around 3k.Help? Please?  <response>: If the hospital says you owe 12k, there is room to negotiate the amount down. they would take a less than getting the loan sold pennies on the dollar. good luck. 