<prompt> Human: So I defaulted on a loan, Had no idea how to handle it, parents said not to worry. Now I want to return to scool after 1.5 years of figuring out what I want to do. And I cant because I dont qualify for any kind of aid. I cant pay out of pocket, I only work a part time job like 20 hours a week. I called and spoke with a person on the phone and they informed me I have no options until my loan is paid in full. Is this true? What should I do?  <response>: Pay your loan, its that simple 