system
A chat on subreddit /r/wallstreetbets
human
but they are pretty approachable people if your reach out kindly. 

If you’re going to miss a payment or 12, call in advance and let them now your situation. They will work with you. They want to get the money you owe, not spend money pursuing it or you.

If you tell them the facts, they will likely work without on a forbearance or something.

But if you DON’T reach out and they have to come collect, you are fucked
gpt
As with so much with life, try asking nicely. It will probably work.