I attended a university in Boston. I used a Perkins loan to help pay for some of my tuition costs. The loan went delinquent a few months ago. I'm currently being offered a promotion at work(a $8-10K/year pay raise), but cannot accept the position unless I'm licensed in the state of FL. In order to obtain my license I need to send official transcripts to the state. I spoke with both the university and the attorney dealing with the debt and both stated they would not work with me to formulate a payment plan so that my transcripts may be released. I can better pay off the loan with my new job, but can't get the new job without my transcripts. The collector told me to call back in a few days.Is it possible they are bluffing? What're my other options?