Please read the following response that I sent you in response to your initial email & then explain to me how you expect me to pay back the loan??? 
" Dear Government : Thank you for your kind email. 
I would have gladly paid back this loan earlier was it not for the following facts : 1 ) : The course taught or was supposed to teach me XXXX. When I completed the course a year later XXXX was being taught & being used which meant that my studies in XXXX was a waste of time, money & effort. Furthermore it meant that I would have to spend yet another year learning XXXX, & who is going to pay for that??? 
2 ) : When I graduated from university in XXXX I learned very quickly that it mattered not so much what I studied but where I studied it. I live near XXXX ( XXXX ) major hospitals : 1 ) : XXXX XXXX Hospital ; 2 ) : XXXX XXXX Hospital XXXX XXXX ; 3 ) : XXXX XXXX Hospital ; 4 ) : XXXX XXXX Hospital ; 5 ) : XXXX XXXX XXXX Hospital. Not one of the aforementioned hospitals have ever heard of the XXXX XXXX, the institution that talked me into taking the course!!! 
3 ) : Since I am currently XXXX with XXXX XXXX I have to see an endless stream of doctors. As a matter of fact they are about the ONLY people I see these days!!! I have noticed that when they draft a script or notes, the computer automatically assigns XXXX & XXXX codes which means that someone is n't sitting in the backroom assigning codes from reference books. 
4 ) : I always thought that a placement service served to place their candidates in jobs. I discovered that The XXXX XXXX did not & does not provide such a service. Their idea of such a service was to simply list them as a reference. 
5 ) : Upon graduation I learned that voice recognition was being used in coding meaning that the system would assign codes in accordance with vocal statements of diagnoses. 
6 ) : I registered for the course in the expectation of finding suitable employment upon course completion. The XXXX XXXX told me that there was a great demand for coders & that finding suitable employment would not be a problem for me. I later discovered that every job listing answered REQUIRED a 2-3 experience. How am I going to get the experience when no one is going to hire me because I do not have the required experience??? 
7 ) : I completed the course in XXXX. It is now XXXX. Five years later! I have not profited in any manner whatsoever from my studies nor do I expect to as I have forgotten everything that I studied given the passage of time. 
I wrote to the U S Justice Department about this matter as I strongly feel that I was sold a bad bill of goods meaning fraud which, unless I am mistaken, is a felony, but they could not be bothered. Instead they sent me information on where to find a place to live, information that in no way whatsoever addressed my problem. Currently I am living on XXXX & XXXX. 
You would be correct in assuming that I have a chip on my shoulder, but who would n't given what I have described above? Having had to declare Chapter XXXX bankruptcy last XXXX that was partially fueled by not finding a job in XXXX XXXX & XXXX my credit is already destroyed. I dont think that you can destroy my credit more than it has already been. 
The other part of the Chapter XXXX was caused by debts incurred from XXXX XXXX when my late wife was diagnosed & operated for what later became on Friday, XXXX XXXX XXXX at XXXX hours XXXX XXXX XXXX. I was unable to work during that time as I did what I thought every husband was supposed to do by remaining home to care for her given that she required XXXX three weeks of every month. A death certificate will be submitted upon request as proof. 
I am sorry if I am rambling & sound like a XXXX boar, but I just wanted to give you the entire picture of the reason. ''