<prompt> Human: My friend signed up for classes at a local community college. The term started mid-January and she wants to withdraw from them. The school is saying she owes 75 of tuition but since she is paying out of pocket, what happens if she just doesnt pay it? She doesnt want it to affect her credit score. Would this effect it?Tl;dr: friend dropped classes, school says she owes money and she would be paying out of pocket, what happens if she doesnt pay?  <response>: As everyone said, she will owe the money. She signed a contract when starting that said what she could owe and what the refund would be if she dropped the classes by the cutoff date. This was an agreement she entered into and has to uphold - even if she wasnt paying attention to the details at the time. If she does not pay, she will likely be sent to collections, which will negatively affect her credit not just short term - up to 7 years. She wont be able to get her transcript released to her or sent to another institution to transfer. On top of all of that, she will likely be charged penalties and fees for being late on payments. She should finish out the classes if she can, but if not, she still owed money to the school. 