It sounds like you have a problem. As for your balance of tuition with the university, the usual option is to pay it or it will be a blemish on your credit report. You could negotiated with the agency and get it reduced. It's unlikely that it will be forgiven. (What is the relationship between "crisis back home" and your academic crisis here?)
It is normal for a university to withhold transcripts until a "financial clearance" is obtained.
You are likely out of status at this time. You need to consult an experienced immigration Attorney ASAP.
Law Offices of J Thomas Smith J.D., Ph.D 11500 Northwest Freeway, Suite 280 Houston, TX 77092 713-LAWYER-2 www.MyImmigrationLawyer.info
First, consult with an immigration lawyer ASAP. The second issue can be resolved with money. Try to borrow from friends and family and propose a lump sum down payment and balance on terms to get a clearance letter.
I am trying to give you a general answer to your question. We do not have an attorney-client relationship by this response on the avvo website. I have not been retained to represent you. I am licensed to practice law in Kentucky and in federal court in this state and the Southern District of Indiana. You need to seek legal advice from an attorney licensed to practice in your area..