Cathy - you have nothing to lose, so why not talk to your bank? They will be able to see that the cheques to the school were written some time ago.

Sometimes you get a real human being who can do something to make things easier for you - delaying the $22 as long as you pay by X date. Just try it - you never know!

Val, prayers for your friend. And for that poor horse - I hope he didn't suffer...