alright man you are gonna have to pay. but play the broke card I've learn this from my uncle who was a business owner. when you owe them you are gonna have to pay if you want that off your credit score. tell them you are a broke college student and can't afford to pay that ammount they will either lower the amount or place you in a payment plan. idk how much it its you owe but you can knock off easy 20-30 bucks if you tell them right now you can only afford to pay a certain ammount. half the time they will take it , remember ask for a confirmation number or have them send you a receipt saying you paid via email or mail.