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Topics - digitalSoup

Over the last six years I had been attending University of Phoenix online when it fit into my work and life schedule.  About a year ago I had to stop attending because my schedule just didn't allow it and after three months I got notice that I have to pay almost $600 a month.  I am the only income for a family of five so I already lived paycheck to paycheck.  I hadn't bee able to make a single payment because it would take me six months to get enough for one payment.  I went in today to see if I could get a lower payment and was this screen confuses me.  There are options where it says I don't have to pay!  Can anyone help me decipher this please?