Student Debt Nightmare

Your $87,000 student loan is about to default in 48 hours. Sarah Chen, a ruthless loan officer at Vertex Financial, holds the power to either accept your hardship repayment plan or trigger immediate collection proceedings. With mounting medical bills and a recent layoff, this is your last chance to negotiate before your cosigner - your elderly grandmother - becomes liable.

Challenges

Survivors

Popularity

Difficulty

B1-B2

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Scenario Overview

Your Role

Recent graduate with mounting debt and unemployment

Conversation Partner

Sarah Chen, Senior Default Prevention Specialist

Setting

Fluorescent-lit corporate office cubicle, viewed through a choppy video call. A wall of filing cabinets looms behind Sarah, and a digital clock counts down your appointment time.

Location

Vertex Financial Services - Default Prevention Department (Virtual Meeting)

Learning Objectives

✓

Negotiate monthly payments below $400 while avoiding default status

✓

Provide convincing evidence of hardship without revealing vulnerabilities

✓

Secure a written payment plan agreement within the 15-minute deadline

About This Scenario

How It Starts

“I have your file open, and frankly, these numbers are concerning. You've missed three payments, declined verified employment, and now you're seeking special treatment. You have exactly 15 minutes to convince me why I shouldn't flag this for immediate collection. Go.”

This is how Sarah Chen, Senior Default Prevention Specialist's greeting will start.

Practice Details

Scenario ID

#441

What You'll Get

🎯Real-world conversation practice
🤖AI-powered speaking partner
📊Instant feedback on your performance
🎓Learn from your mistakes

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