<prompt> Human: I just got a summons to go to court for owing 6,500.00 worth of student loans private not federal. Now I went to the court clerk and they told me I can either go to court or work something out with them. I cant afford to pay them much I only make about 1200.00 dollars a month. I havent graduated from college and I am working part time at the moment. My rent is with utilities included is 600.00 I spent 112.00 on transportation, and about 200.00 on food maybe 30.00 on laundry . So I spend about 1,100.00 here or there give of take. I dont really want to go to court and pay more fees and end up having to pay them anyway. What should I do?I was thinking of sending them checks every month of whatever I have left over. Can they still sue me if I do that? What will be my best option here? Is going with a lawyer best? or will I end up in a deeper hole? By the way sorry if I am doing this wrong this is my first time posting on Reddit. I am about 40,000.00 in debt the 6,500.00 is private student loans.  <response>: Call them and tell them everything you said here, and that you want to pay them back, but you need to work something out. They want their money, so theyll probably be willing to work something out with you. But you have to call them and initiate it yourself. Theyre probably not going to offer to help you out of the kindness of their hearts. 