Frustrated & Confused,

This is  really frustrating.I think you should call collection agency, just be nice to them. Please speak slowly , shows you are a nice guy and CRY. Tell them you are a decent student. You have just average speed tickets and you don't drink at all.You really need to support your education ,which is true. After, calling them more than 10 times, they will ask what you want? Just ask them can I please settel this because I always have to eat in deli grocery as I cannot afford lauch at McDonalds. They may ask you how much you can pay? Then you do your math.You work and pay for collection agency Is not that true? Use basic human need like food , shelter and ask them you will never repeat that again. But you are already frustated & confused. First and foremost, get out of that frustration and life is waiting for you. As you said that was an accident, take it easy.