Does your wife work?


I would call the collection agency and talk to the person in charge and arrange for $25 payments, just explain you are in school and can pay that for now, that or nothing, but be very good about sending it and when you have the extra send it. A $1 check would cost more to process and they most likely won’t take that low of an amount.
Look at where you can cut, food is a good place to start. Do you eat out, even buy coffee out, that adds up fast, soda, etc. Lower your heating bills, water bill extra and get that debt off your back. Even if you had to get a high interest credit card to pay them off, you’d be able to make lower payments than $100, until you could swing more. The key is not to add to the credit card and then pay ALL you can come by on it to get it payed off. Being debt free is a life style that requires discipline. You can do it!