What happens if I get sent to a collection agency

What happens if I get sent to a collection agency for not paying my tuition of $3,497.00? Which I cannot do since I do not have a job or any way of paying. I have 15 days till they send it but i'm really scared. The bad thing is that i have no way of paying and I do not understand this process. thank you in advance for your help.

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What is the sum of 3 and 14


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