<human>: (X-Post from AskReddit.  Should have know the comments wouldn't have been helpful.)

So, I dropped out of school in 2010.  I just never got around to dealing with the student loan collection letters, and they piled up.  I continued to ignore them.

A year later I make yet another poor decision and move into an apartment with the girlfriend.  For reasons I won't get into we're broke the whole time and living paycheck to paycheck.  We make payments on utilities only when they threaten to turn them off.

Stupid decision number three (well, more like number 6,284):  When moving away from the apartment a year later, we don't set up a forwarding address.  I've been away from the town of the apartment for a year and a half now.  I'm sure they still send collection notices (or whatever those move up to after being ignored) to the old address.

I still have not paid any student loan payments.  My girlfriend got a student loan letter today and it made me remember all these problems I had been ignoring, and now I'm worried:

Reddit.  What is going to happen to me?

Can you give me the gist of the text in a nutshell?
<bot>: I have paid almost no bills for the past two years.  What do I do?  How worried should I be?