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Currently Listening to: "It Wasn't Me" - Shaggy
Damn. Damn damn damn damn damn.
I just got an envelope from Max regarding my tuition costs.
They don't take OSAP.
No student loan. No INTEREST-FREE student loan.
No bursaries, no scholarships, because it's a privately owned college. I have enough in my mutual funds for my first year, but after that . . .
The first year is going to clean me out. I've only got about $2,600 in my savings (I was only able to get my first job this year, and now I'm going to lose it because I'm not going to Carleton anymore and it's at the library there), and just getting a train pass to GET to school for the first year is going to cost me $900.
I'm getting to hate Toronto.
My only option is to open a line of credit. With a secure line interest is good, about 4.5%. You can get a secure line of credit by putting up liquidatable (is that a word?) assets, like a car or house or whatever.
I don't have a credit card, much less liquid assets. I don't even own my own BIKE.
I could open a line of credit with a co-signer. Thing is, you don't really want to co-sign, except maybe with your parents. Neither of my parents has a secure line of credit. We'd have to put our house on security, since it's all we have that a bank would take (both our vans are wrecks, maybe worth $1,000 each). In fact, I think we're in debt right now. Mom can't work, Grant can't work, and Mallory and Dean are too young to work. Dad's getting a raise this year (government finally realized that you need to PAY the military if you want to keep peacekeepers), but not enough to cover something like this.
This leaves opening a student line of credit with a bank. Okay. No big deal, right? I'll just have a chunk of loan to pay off, same with an OSAP.
The rate of interest on a student line of credit is OVER TWENTY PERCENT.
The tuition for all three years alone is $30,000, not counting the extra money I have to spend on paints and other class supplies, hygiene and other personal crap, and minor rent for whichever grandparent I stay with (not to mention train passes, can't forget those!).
Maxine said that if a student is good enough and in bad financial trouble they'll sometimes offer to finanace them 'til the end of the program, like an OSAP. This has happened a grand total of twice.
So. My options? Work my ASS off, prove to them that I have talent coming out the ears and therefore am too valuable to be dropped, apply for every non-school-associated scholarship I can find, and deck myself out with luck charms.
Unless you guys can think of anything else.
*sigh* Man, and I have a Latin exam tomorrow to worry about on top of this. It's gonna be a long day/night, I think . . .
At least we get quiche for supper tonight. ^^ And it's sunny and warm out, and Latin is the last exam I have to worry about. And if all else fails at Max, I can drop out after first year; that'd give me enough fine arts skills to maybe shoulder my way into the industry on my own.
It'll all turn out okay.
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Official editor for the online manga E-Depth Angel. (Go read now, or else I send imps to feed on your bowels.)
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Zest
Tired
And still working on top of this. I haven't even had time to DDR lately. ;_;
