I'm an international student studying at the University of Saskatchewan. I owe roughly $12,500 in tuition from the previous academic session. I will be graduating in the Spring of 2015. My debt got sent/sold to Commercial Credit Adjusters who've started hounding me with phone calls and 'Without Prejudice' Letters. I intend to make roughly, a payment of $3,000 to them by the end of February; after that, I'd have to wait to work over summer and hopefully get a post-grad work-permit and a job in my field that will allow me to clear the rest of my debt. 

My question or issue is the agent I'm in contact with doesn't seem to want to cut a deal which would allow me to make installmentall payments; is she being deliberately obstinate to extract the money from me asap and do the threats of these letters endanger my current status with the CIC or future status with regards getting a post-grad work-permit? I assume, they'd understand that I need to work to pay off the debt.