"I mean if I had actually graduated I would be a little more inclined to pay back my student loans"
Really?? Pay your bills- it’s not the schools fault you didn't graduate! By the way your going to pay them, if you don't they will take it. Via tax lien, bank garn, wage garn.... student loans are the easy bills to get collected! May be worth your time to give that collector a call back and talk it out with him!