<human>: Give me a shortened version of the text

My wife accepted a 'conversion' scholarship when she went to a faith based university about six years ago, the terms of the scholarship were that it was to convert to a loan if she did not work within the church, but the agreement indicated the church would help her find this.
1) She volunteered for about 3 months after graduating and the Church was not able to find her a job, so she ended up getting one on her own
2) It had been suggested to her that these agreements were generally not enforced

Well,  some time passed and we ultimately started a family;  she is now a full time stay at home mom and tends our two sons (one of them special needs).   A month ago her mom gave us a letter which had been sent to her house demanding that we take action on repaying the loan within 2 weeks or that they would turn it over to collections.   The letter was already past its date and the school did not return our calls.

Well, the loan company has now begun calling her parents.  We spoke to them briefly the other day and they indicated the loan was now 77k (up from 57k that the school had mentioned) and we more or less hung up on them.

I know they can't muddy the title to our House, and my wife otherwise does not have an income or any assets.  Is it safe to simply ignore the student loan?  Is there any way to present our side of this or is it too late?
<bot>: before we were married my wife received a scholarship which unbeknownst to us recently converted into a loan.  What options do we have?