i work and always plan to get my degree. i am actively paying off the bill. i qualify for in-state tuition at the beginning of the summer and will be enrolling at the cc. i am asking for management advice so that the bill is not so crushing. thanks though.

i guess that i didn't clarify well enough in the post, this is not debt from a loan, this is a bill from the school for room/board/tuition. i cannot afford to go back to school right now, i dropped out because i could not afford to stay any longer.