<prompt> Human: Hello everyone, long time lurker and Ive recently run into a problem that Im not sure what to do. I am a recent grad and I had to take student loans out for my last semester. I know this is really really stupid but I didnt look up how much my semester would actually cost, just made an uneducated guess from last 4 years of college. So essentially I requested for a 10,000 loan when I owed 17,000. I graduated and was allowed to walk, but I never got my diploma. I already had a full time job so I didnt really care for it. I thought my university would just take the 7,000 loss and be content that I never got my piece of paper. Well they are not content with my desired outcome and I have been getting calls from debt collectors on how I plan to repay them. They suggested putting the 7,000 on a credit card, which I think is a terrible idea seeing Im having a hard time getting out of some credit card debt that I stacked just from day to day living. A lot of student loan companies dont allow for loans when youre not at least a part-time student and the ones that do seem Fannie Mae style which deters me . I have 0 in savings too. What should I do, personal loan from a bank seems like my only option.  <response>: Hmm. Yeah, you stole a service from them. Id try to hit up some local banks and credit unions and see if you can get a personal loan. 