
Thursday I have a meeting with the admissions office to deal with a problem that has been slowly eating the lining of my stomach away all semester. I am finally dealing with a crisis that first reared its ugly head last July when my loan consolidation was approved and my loans were finally taken out of default. All holds were supposed to then be lifted so that I could have copies of my transcripts sent to UMB and they could decide whether they were going to admit me. I should have known that nothing in my life could ever be that simple.
Especially given that UMB is now the third university that I have attended. After graduating highschool in 1996, I attended two full years of college, four semesters that earned me 54 credits. My freshman year was at Syracuse University and sophomore year was at Boston College. I made several attempts to return to school between 1998 and 2000, but severe clinical depression forced me to withdraw four to six weeks into the semester.
I carried those failed attempts with me like a backpack full of bricks. Throughout the eight years I was out of school completely, I regularly had the same nightmare. In the dream I would beg, borrow and steal my way back into college and once I got there I would be unable to leave my bed or I would suddenly come into a class that was about to take a final exam on a subject I knew nothing about. I also would get progressively older, and be laughed at by students that just kept getting ridiculously younger. Usually I am a coward, but in pursuit of a better future for my children I walked through my fear and trauma and began a two year long process to straighten out financial circumstances so I could come back to school.
When I got the letter from the loan consolodation company, I immediately drove to BC and got my transcript for the 1997-98 school year. I felt like dancing on air! I couldn't believe this might actually happen for me. The bubble burst later that afternoon when I learned that SU had not lifted the block on my account. After a few phone calls I was told that in addition to a $100 library fine, Student Debt Management was looking for $8,000 for a tuition bill from the fall of 2000. That year my ex boyfriend moved us out to Syracuse, New York with the proceeds from an overpayment from one of his own student loans. He did it "to make things up to me" since he had been the one who had persuaded me to leave my dream journalism school that I had earned a 4.0 at in my second semester, so I could be back in Boston near him. Unfortunately he was still the same control freak he had always been and I had had enough of it.
Unable to afford school on my own, I withdrew from my courses. SU, however, claims that I never actually withdrew, since I received a grade of C+ in one of my courses. The grade was from my writing professor who not only knew and liked me but was very sympathetic toward my situation. I am sure she thought she was doing me a "favor". SU will hold my transcript until I pay the total balance. I never took out any loans to pay my tuition since I thought I withdrew. Therefore the tuition can't be consolidated with my loans.
When I brought this issue to UMass Boston, I received mixed messages. First I was told they couldn't do anything for me without a transcript from every college I'd ever attended. When I was told that, I thought the hold on my transcript was awaiting slow paperwork. I called back after I knew I couldn't resolve the hold situation and was told to come down that day and register as a non-degree student. I enrolled in five courses, full time, the same as I would have otherwise, except I wasn't eligible for financial aid or to meet with a real advisor. I exhausted my father's savings and received limited one time funds from a state agency to pay per credit for the fall semester.
The counselor who registered me in August told me to successfully complete 12 credits so I could be admitted without a transcript. She also said that without the SU transcript I would obviously lose those credits but that I could still get credits for the courses I took at BC.
It doesn't really matter to me at this point I will do anything to finish school. The courses I took my freshman year at SU were lame anyway and so long ago that I wouldn't really feel like I was repeating anything. The stomach aches didn't start until I spoke with a college loan counselor I had been working with who believes its against either academic policy or the law for students to be admitted without transcripts from every institution they have attended. He urged me to obtain written confirmation of my admission pending the 12 credits.
Along with the washing of my kitchen floor, I have delayed doing so until now. No matter what happens I am sure that I won't regret this semester even if it is my last. Although I really hope its not. I will be devastated if they don't admit me to a degree program.
I spent the weekend researching online and found some legal articles where former students have unsuccessfully sued the universities that held their transcripts. I learned that I have a decent chance to discharge the debt by declaring bankruptcy since its a tuition debt owed to the school and not an educational loan. Federal laws make it next to impossible to erase student loans either federal or private through bankruptcy.
The happiest news came from an article that appeared in The Boston Globe "Colleges Playing Tough on Debt"
http://http//www.boston.com/news/education/higher/articles/2006/11/19/colleges_playing_tough_on_debt/The article quoted a single mother in basically the same situation as I am. BU was taking her to court to attach her wages in addition to holding her transcript. At the time of the article she was attending UMass Lowell and complaining that without her transcript she was being forced to take the same courses for which she had paid and taken at BU. Rather than commiserating, I felt relief when I heard her complaint. Just let me in, that's all I want!
I am sure that if I am admitted I will eventually be bitching too, but hopefully I will look back at this blog and remember why I should instead be grateful! I will be keeping my fingers crossed for Thursday's meeting, and prepared to dish out my very saddest single mother sob story if need be.
I wish this system was easier and better supported single mothers getting college degrees. My experience has been anything but simple. I would love to hear about your experiences in your comments.