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I am a graduate student who stupidly used my credit card to pay off my tuition. now I have a $13,000 debt that has been racking up interest fees and late payments. Even tho I paid $1000 on it last month, Citicard charged off my account and sent it to a collection agency.

I spoke to the agency today and beyond yelling at me on the phone, he told me that I need to pay $5000 by the 2nd September. I asked if there was a payment plan or anything that I can do to break up these payments but he said there wasnt. I have no idea how I am going to do this and I'm freaking out.

What are my options???

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