<prompt> Human: I have 17 k debt from when I was 20, 6 years ago. I have to pay 145 a month for a long time I was wondering if theres a way to only pay like half that or get out of paying all of it, it accrued over 2vyears and I didnt even finish. I work for nothing practically at a grocery store.  <response>: No. You have to pay. Money isnt free. 