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I need a $2,000 loan in the next 3 weeks and don't know what to do!
Long story short I transferred from a private school to a University this last semester. The university didn't send out admission letters until last minute, but I still took them up on it to save a ton of money.
Well now, unbeknownst to me until recently, my old private school is holding my transcripts for $2,100 because they claim they couldn't find somebody else for fall housing since I cancelled my fall admission there about a week before the semester started. They never called to inform me about it until I called them to get my transcripts released this week.
I feel totally screwed right now because my University wants a copy of my transcripts from the private school to ensure I'm not still attending there and they won't let me continue at their school without it.
I don't have 2k...I have under $300. I am working full-time, but I just started my job and while I may be able to save 2k in the next few months when I start getting paychecks steadily. I can't do it anytime soon because I also have other bills and my lease at my current place will be up soon so I need to save money to move in March because my current roommate is getting married and moving in with her husband.
I just don't know what to do. I can't reach out to family because they don't have money to lend me. My credit score as I'm a student isn't great It's about a 640. I already have a credit card, but my limit is $500 and if I use over $180 of it then it lowers my credit score. I've applied for loans and can't get one. I always get denied for insufficient credit history and because I'm also financing my car and they see that balance I'm currently paying on.
I tried working out a payment system with my old school, but they said it has to be paid in one whole chunk.
I thought about skipping my car payment in January, but that would only save me $500 and I'd still need to come up with another $1600.
My university also won't release my financial aid to me while I'm considered ineligible to attend their school without the final transcript so I can't use that to pay.
I don't have much to sell. I just don't know what to do, except leave school for a while. :(
Please help.
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I don't think it is right for the school to hold you accountable for a dorm bill if you didn't attend school there. To me that is the cost of doing business.
The only recourse I can see for you to take is to go to the District Court House and ask the Clerk of the Court if there is any way you can get an emergency hearing in front of the judge. Explain you need to get your transcripts released and the school is holding them for ransom because they were unable to rent the dorm you reserved.
If you want to be represented by a lawyer, you might be more comfortable with a lawyer speaking for you, ask the clerk to have one appointed for you. It will be done without cost to you.
The lawyer will also tell you if the school has legal grounds to hold your transcripts hostage. The lawyer can also arrange that payment schedule which moist judges I believe would order them to accept.
The school is not expecting a student to go this direction, the expect you to take them at their word. Don't, either file the papers to bring them to court yourself or ask the Clerk to appoint a lawyer to assist you.
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