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I attended a state university in 2001 and signed promissory note for the loan on those classes. I dropped class and the school returned money to the gov't. I continued on with classes at another college and 10 years later received my Masters degree. I have since consolidated my actual student loans and pay on them monthly. The state university is now trying to collect money from 2001 classes that were dropped ( $2460 plus attorney general fees for a whopping $7600) I would have been fine if the University never returned money - as I pay my student loan debt. They have taken my state refund last 2 yrs and now taking me to court. What can I do? I cannot afford payment to them- I struggle to barely get by with 3 children. Please help! Will a Chapter 7 resolve this? yes I have other debt