<prompt> Human: So my brother who is 28 hasnt payed off his student loans in 8 years. Now, he is trying to go back to university and needs his transcripts but his prior university wont give it to him unless he pays off his debts.When he asked about making a payment to the university, they said he had to contact a collections agency in order to make some sort of agreement for payments.How will this affect him? Things like his credit, which Im pretty sure is already extremely low. Im assuming hes unable to get a loan of any sort at this point. Also, please dont call him a dumbass in the comments, because Im going to show him this thread afterwards to try to get him to start making payments, and if he sees that youre calling him names hes not gonna listen.  <response>: No debt repayment no transcripts no school.If he doesnt want to pay off the outstanding debt then he doesnt want to go to school. 