<prompt> Human: Hey. So a friend of mine was not very good about keeping up with one of her loans, a Perkins loan that shes now 720 days behind on paying. She only looked at it last night and saw that she owes 15800 and its all due now. Every bit. Theres not a monthly payment. Its just straight up all due at once. Im familiar with all the cancellation options a Perkins loan offers. But she isnt in a job where canceling or deferring is a possibility really. And she doesnt make more than minimum wage part time because she didnt finish her degree. Nor can she go back to get it because her school wont release her transcripts until shes paid the 15800. Is there anything she can do? Or is she just a screwed millennial?  <response>: Two years with no payments is more than just not very good about keeping up with loans. Shes in default, and defaulted loans become immediately payable.Heres a writeup with her options at this point: 