Ignoring my student loans

Ignoring my student loans

I have this little problem...I tend to ignore my problems until they multiply tenfold. Hence, my current problem. When my student loan bills started coming, I didn't have a good job, and couldn't afford to pay them. Instead of calling and explaining, however, I did nothing. A few weeks ago, I made a small payment on the balance, which has amassed late fees, etc. as well. Now instead of just sending me bills they call me as well. I'm afraid to talk to them (I don't know why, ignore my crazies), and I'd like to know if anyone else has gotten themselves into the same situation. Do you think they'll have mercy on me? Would they be open to setting me up on a low payment plan instead of sending me massively scary bills? Anyone? Anyone? Bueller? Bueller?
Habaneros and Amaryllis

Habaneros and Amaryllis

Hoya help

Hoya help

redone living room and study

redone living room and study

Hydrangeas – The Sea of Upturned Faces

Hydrangeas – The Sea of Upturned Faces

tulip forming bulb above ground?

tulip forming bulb above ground?

I thought this might be a hollyhock, but after seeing a recent post, I think maybe no.

I thought this might be a hollyhock, but after seeing a recent post, I think maybe no.