That's awful that they are asking you to pay that stupid tax! Greedy frigging banks! It's like telling a starving man you'll get him a sandwich, but only if he provides the bread. Is there anyway you apply for a grant or a scholarship? There are monies set aside for all kinds of situations. Think of what makes you situation unique and why you need the help and then check into the scholarship funds. I know there may not be time to get help for the uncoming semester, but perhaps for the future. Good luck & **HUGS**