Sentence 1: Jeff picked up his mail. 
 Sentence 3: They were demanding he pay the balance in full 
 Sentence 4:  He did not have $40,000 for the loans 
 Sentence 5:  Jeff decided to win the money at the casino 
 Option 1: Jeff used all of his savings and paid off the loans. 
 Option 2: He got a letter regarding his student loans.