Need help from people with more experience

🐠Anna🐠
I haven't paid back my student loans. I dropped out and have moved countries. Its been over a year now. Theyre starting to call my reference about it. 
Please don't tell me I'm an idiot or any crap like that, trust me I already know it was stupid to avoid them in the first place.
Anyways. What do I do? I'm in another country, and don't have the money this very moment to be able to pay the loans back. I will be able to start making payments once I have work.
But how do I do this? Can I call them and tell them that? Can I tell them I'll pay back once I have work? I don't know how to do this or how it works.

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