That ended quite a while ago. Their loan could have grown by thousands since then

An Important want for sure, but not a necessity in any way shape or form. You won’t die or get sick by not attending a concert or a guitar would be listed in survival guildes

Don’t gamble with your future. You should have never stopped paying. Your loan is probably in a worse position now than you were 4 years ago due to interest. The longer you wait the worse your situation will be.

Pie comes from pumpkins (look up Charlie Brown great pumpkin)