BUT, you can also beg for mercy, which is what I would try before I paid the $3000. Call and find out who you need to talk to and make an appointment. Most people are compassionate and they may have he power to either wipe out the debt or reduce it. It is pretty tough to be a teenager taking care of a sick parent. Should you have withdrawn? Sure, but we all make mistakes. Sorry that you had to go through losing your mom.