I grew up on less than a $20,000 a year income in a family of four. Both of my parents were disabled; my mother has Fibromyalgia and a number of other illnesses but still pushed and persevered throughout my life to hold jobs as a teacher assistant and a daycare worker because she wanted to show me and my brother that no matter how hard things are we should still try. My father had heart disease and a learning disability and eventually died of cardiac arrest it several years ago when he was 42.
Despite our family’s struggles, not a day went by when my younger brother and I ever went hungry because there was no food to eat. They never did anything illegal to make it happen, I don’t know how they did it but I will never forget the miracles my parents (especially my Mother) did for me and I promised myself I would love my Mom and always take care of her for everything she’s done. But I’ve run into a problem: About a year ago, I became no longer eligible to receive Grad Plus Loan due to my credit history and without it, I cannot financially afford to finish Grad school. While an undergraduate student, I used two credit cards while working part-time and in school full-time. Juggling the two was overwhelming, and with little knowledge at the time of how critical the impact of my credit is, the decision was made to quit my job and finish school with every intention to pay the remaining credit balances off one day. However, in mid-2017 that decision caught up to me. I have learned my lesson with credit cards and make no excuse for my mistake. But if my remaining school balance at American International College is not covered in time for the Spring 2019 semester, I will become unenrolled as a student and unable to complete my last and final semester of graduate school and likely unable to give my Mother and our family the support and better life they deserve.
The only 2 ways the remaining school balance (and college tuition overall) can be covered, which will enable me to finish graduate school, is either by one of the two adverse accounts on my credit being paid in full, or my remaining school balance with the college being paid in full directly. The amount of the adverse credit accounts are $607 and $1935; one of these accounts is required to be paid in full or the school balance to be paid in full directly, which is about $7300. I have been working to make payments on the $7300 school balance to keep it out of collections while also trying to save up in order clear my adverse accounts. But I will not be able to cover my expenses alone in time for the Spring 2019 semester. If you are able to, my family and I would love it if you would please make a donation to help. Any small amount will greatly be appreciated and be put to good use.