Have $10K in debt owed to university from 2016... where can I get a personal loan to pay it off?

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SlicedHumblePie, from the first post you mentioned that your credits “expire,” I’ve been thinking that you absolutely must find out if that is accurate, and if it is when the credits expire. You don’t need to take two hours to travel to the school to ask the right questions. Get on the phone, or send an email. You’re good at making excuses, but it’s really hard to make any excuses about getting answers to these critical questions. Just do it.