I know that i can't get an official transcript until i pay off my debt but why can't they give me an unofficial transcript?
Short answer: Yes. If you at least work out a payment plan with them, they may be willing to work some arrangement. If you contest the debt, then you will need to challenge it in Court. If you can't afford to pay, sometimes you can discharge such a debt in bankruptcy (but usually only for a hardship case).
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