<prompt> Human: My boyfriend is 20 years old and has been sent to collections for unpaid college debt. He went to school for one semester, then dropped out but missed the due date for the next semesters drop-out deadline so was charged for both semesters. He hasnt paid his bill, so was sent to collections last week. The total amount he is due to pay is 2,002. The collections agency said that they dont own the debt when he asked, so we believe the University may still have some jurisdiction over it. He was strong-armed into agreeing to 200 monthly payments, but that is not fiscally possible for him.Currently he is paying off a loan he got to consolidate his previous debt, and has about 600 left on that loan and is making 50 monthly payments. At most, he makes 600 per month so after rent and other expenses he has around 45 left to spare. He will be picking up more hours at work soon as well, so this amount will hopefully increase.Would it be advisable to try to consolidate this loan and the collections debt with a new loan? Or would it be better to negotiate with the collections agency for a cheaper monthly payment plan?We plan on moving within the next three months, so we have impending expenses that need to be accounted for. We were contemplating whether it would make sense to get one larger loan to afford the moving expenses and consolidate all of the debt into one payment.  <response>: We plan on moving within the next three monthsYour plans are probably about to change. How was he strong-armed? He owes money and he agreed to pay it. Unless you make significantly more money than him, how are you two planning on moving out? 45 left over every month after expenses? Moving shouldnt even be a consideration. Making more money needs to be his only focus. You also say at most he makes 600 a month.. That means he can make less than that? Hell, any minimum wage job out there will pay more than he is making.Stop your moving plans unless you are taking the bulk of the monthly payments. Focus on how he can make more and get rid of his debt before you two try to plan anything. 