<prompt> Human: My girlfriend dropped out of school in, Canada last November, because of personal reasons. She didnt read the fine print when dropping out and now a collections agency is after her for payment for the full year.This is because 45 of her classes were for the full year, and the deadline to drop out without financial penalty was in September.They want about 4000 from her, and its a suffocating at this point in her life. Whats her next move?  <response>: See if she can negotiate the debt down since they buy it for pennies on the dollar. 