<prompt> Human: Last November I had spinal correction surgery, which was actually considered elective. One year later, I am in college and 8,000 in debt. The total is actually broken up, and various amounts are held by different collection agencies. Two of these agencies have threatened legal action within the next 15 days. I do not have the money to pay for any of this since I am in school. I dont want to sacrifice my future to become debt free, what should I do?  <response>: In addition to what others have said, tell your financial aid office about the medical bills. They might adjust your financial aid because of it. 