Very good answer Cheryld. Even I understood it. Martin, The Drs at Ohio State Arthur G James CCC wrote their charges off But USU didn't. I just pay them a little each month. I make payments to 3 Hospitals right now. You can probably get them to write off the charges by filling out the proof of income forms. I make co-pays to the Drs and most of my treatments. Nothing ventured,, nothing gained. Go for it so you can relax and quit worrying so much. Remember it ain't until you are told it is.