<prompt> Human: I am 30 years old, Ive gone back to college, and this fall is my last semester. I have no other debt. My credit score is a 722. I live in California. I have a very limited income and end up broke by the end of most semesters. I am not currently employed as Ive been taking classes at a rate of 18-20 units a semester with summer courses mixed in. I had a credit card that I could not pay on due to losing my job back in late 2010, I was able to make payments on it until April 2012 but could never pay it off. I ended up floating around for a couple of years due to depression until I decided to go back to school. Ive made large strides in becoming a better person and I have my girlfriend to thank for that. I am looking forward to graduating in December. Recently Bank of America has been sending me emails with this message: This is a reminder that youre still responsible for making payments on the above account until its paid in full. The outstanding balance on this account, which was charged off because of missed payments, is 883.61. What you need to do Step 1: Call us at 800.589.7951, Monday through Thursday, 8 a.m. to midnight, Friday, 8 a.m. to 11 p.m., Saturday, 8 a.m. to 7 p.m., and Sunday, noon to 9 p.m. Eastern. Please refer to reference code HTY4 when you call. Step 2: Tell us how youd like to make your payments. You have two options: One payment of 883.61 36 monthly payments: 35 payments of 25.00, final payment of 8.61 Step 3: Mail your payments to Bank of America, PO Box 15019, Wilmington, DE 19850-5019. Please be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make as extending or restarting the time we have to file a lawsuit. Were here to help I would like to pay this off, but dont have the option of paying it off in full at this moment and I dont want to start making payments and screwing myself over in some way. The final section sounds scary and I didnt want to make a move until I was able to get some guidance from someone who may be able to help. Any help is appreciated, thank you.  <response>: Can you really not afford 25? Cut something from your life or make more money -25 is an easy part timeoccasional job?I think that last part may be required by law. They just want their money, theyll take anything at this point. 