You think you've got it that bad?
I worked my *** off the last two years of high school, saving up for a decent vehicle and college tuition. I put all of the earnings into my various savings accounts to accumulate some nice interest so I could buy a car right before I started college this year.
The bank accounts were all opened as joint accounts with my mother when I was 8 years old or so, so I could put the money relatives sent me into it or whatever. I lived with her until I was 14 until I moved in with my aunt and uncle.
Well I opened my bank statement for the month of July '07 my accounts had been totally stripped. On the verge of a total mental breakdown, I called the bank and demanded to know when the money was taken out and who did it, as far as I knew someone hacked my identity and stole everything I had, and I would never see it again. Apparently dear old mom had decided to take all of the money out without asking, or telling me.
I called my mom next and asked her if she knew anything about it. She replied calmly "Oh, I just need to pay off my mortgage, and I was going to pay you back right away, and you know I'm good for the money sweety. I'm sorry to scare you, there's nothing to worry about you'll get your money back in a few days." I hung up before I could scream into the phone at my only mother in the world, over money.
What could I do from there? I could take legal action for my money back, but then I'd just make my mother's financial situation much worse, as well as mine. My dads been unemployed, or as he calls it "writer's block", for the last 8 years, so he's not going to be any help. My sister owes me almost $1,000 for the debt payments she desperately needed to make, but I know she wont pay me back as long as she needs to pay for her LSD and E fixes.
So I did the only thing I could do. I went to my college website, took out every student loan and grant they offered me, and at $14,000 a quarter for tuition and dorm room, not including books or any personal requirements, when I graduate I am going to be in debt a Lamborghini or two.
There is a plus side though. Because of my incredibly low income family, I can borrow basically all the money I want, but alas, I get no car for three years of work. Plus I got like $1,400 of scholarships from speech and debate team winnings that no one can touch but me.
Moral of the story? Trust no one, not even your own mother and don't make loans to friends, family, or really anyone for that matter.
If I can make it to college with this fucked up situation, I can't really see how an $85 loan could be holding anyone back. But I'm sure you have some great reason you failed to mention, right?