How To Finance College With Student Loans When Growing Up Poor?

After my SATs are over, I go to the office block with my poverty certificate to apply for a school loan. The staff member glances at my paperwork before turning my application down coldly. "To think that you're already swindling loans from the government at such a young age! High-income families like yours aren't lacking in the money department at all!" At first, I think this is just a misunderstanding. That is, until the staff member passes me the information on my parents. "Your parents have a villa worth 20 million dollars in the city center, whereas your younger brother goes to an elite academy that costs 800 thousand dollars' worth of tuition fees per year! "Tell me, how can someone from your family be eligible to apply for a school loan?" I'm stunned, to say the least. The entire village has raised me since young. For the past 18 years, I've been the only child of an extremely impoverished family. Little do I know that my parents have already formed another family of their own in the city…

My mom is an HR professional. She uses KPI to determine my entire life. "If you get into the top ten of your grade, you'll receive a B grade as well as a bonus of 500 dollars. If you can achieve a ranking at a state-level competition, you'll receive an A grade as well as a bonus of 1,000 dollars. Of course, if you can get into a top-tier university after scoring well in your SATs, I'll give you an S+ grade as well as a year-end bonus of ten thousand dollars!" I work my ass off in my studies and manage to earn the offer letter to a top-tier university. But that's when my mom puts a contract in front of me. "Congratulations on getting hired. From today onward, your allowances will be determined by the total of your base salary, KPI, as well as your full attendance award. "Your base salary is 500 dollars. It's to make sure that you won't starve to death, at the very least. In order to help you adapt to workplace stress in advance, I'll check on your progress randomly. If you don't meet my requirements, I'll deduct your salary." When I'm down with a fever of 104 degrees Fahrenheit, my mom deducts my full attendance award, claiming that my physical attributes aren't up to par. In order to catch up on my studies, I've completely forgotten to submit my weekly report to my mom. Because of that, she suspends my allowances. So, I have to sell my blood to a hospital behind her back just so I can survive. At the end of the school term, I show my mom my grades as well as the certificate to my scholarship, thinking that I'll be eligible for the highest KPI and the bonus. But that's when my mom tells me coldly, "The company has decided to give your S+ bonus to your younger brother as a form of investment. After all, he has more potential to achieve better results compared to you." As I gaze down at the 200-dollar consolation prize, I can't help but laugh. It turns out that I'm not even worthy of being recognized as a good employee in my mom's company.

For as long as I can remember, my parents have been crying about how poor we are. In order to put food on the table, I dare not apply for a prestigious university even though I'm more than capable of doing so. Instead, I work several jobs per day just to pay the bills, hoping to lighten the financial burden on my parents' shoulders. What I didn't expect is that my parents actually bought my younger brother, Randall Carter, a 500,000-dollar Ferrari behind my back! It turns out that my so-called impoverished parents are actually millionaires! The reason why they keep in the dark about their wealth is so that I don't fight with Randall over the family wealth! But they've completely forgotten that if it wasn't for me, Randall would've drained their accounts dry a long time ago!

Housing prices collapsed. My parents ran a real estate business. They and their long-time family friend, the Goodwin family, went into bankruptcy. My parents had me and my younger sister draw lots to decide who would marry into the Goodwin family to fulfill an old engagement. In my previous life, I drew the short stick. From that moment, I became a slave to both families. During the day, I needed to work to pay off the Goodwin family’s debt. At night, I needed to deliver food to cover my parents’ financial losses. I survived on scraps and slept in the cold. I continued to work even when I coughed up blood. That day, I went all out and finally secured a multimillion-dollar business deal. My heart burst with excitement. I was eager to tell them the good news. Across the street, I saw my parents get off a Rolls-Royce with wide grins. They dressed up in luxury brands from head to toe. Then, I saw my husband, Alfred, gently wrap one of his arms around my glamorous sister’s shoulder. I wanted to rush over and question them. But a speeding truck slammed into me and sent me flying away. I lay in a pool of blood while staring at them indignantly. I heard them chuckle softly. “What a pity… She was so close to enjoying a good life.” When I opened my eyes again, I returned to the day I drew the lots. Since they liked to pretend to be broke, I would make it a reality!

My mom gets buzzed at the family dinner and insists on burning my admission letter. She says, "You're a guy, and yet you can't get into Horvard University! What makes you think you can study at any university now? You might as well quit studying altogether!" I try to stop her from doing so, only for my dad to stop me instead. "It's just a stupid scrap of paper. Don't put a damper on your mom's mood, now. Can't you just retake the college admission exam?" Just like that, my fruit of labor gets burned to ashes. When I'm studying for the exam again, Mom keeps inviting people home for drinks. All I do is utter one complaint, and I get beaten to death by her drinking buddies. When I open my eyes again, I've returned to the night of the family dinner. This time, I've swapped out my admission letter to the IOU her boss has told her to safeguard. Go ahead and burn it. Two years later, I'll be sure to visit you at your grave, Mom.

The study-abroad list went up on the department bulletin board. Kevin's name sat at the top of the sponsored students column. Mine was stuck in the alternate slot. In front of the whole class, he waved it off like it was nothing. "I'm not going. Can't even afford it." The spot slid down to me. "Congrats, Nathan! You snagged the last public-funded spot!" Classmates crowded around to offer their congratulations. My advisor turned to my parents with a clasped-hand gesture. "Professor Reed, Professor Turner—congratulations! You must be so proud of your boy!" I took the acceptance letter, my chest swelling as I looked at three years of blood, sweat, and late nights finally paying off. Then my mom reached over, plucked it right out of my hands, and passed it straight to Kevin. She grabbed my arm, her face all twisted up with regret. "Kevin's the kid we sponsor—his parents can't afford to send him anywhere. This is his one shot to go abroad. You're our flesh and blood. You need to be the bigger person here and let him have it." Kevin clutched the letter, dropped to his knees with a thud, and thanked her. I stared at that letter—the one that decided my future—and thought about every single night I'd pulled all-nighters over the last three years. They handed my future over to someone else. Fine. If that's how they want to play it, then I don't want this family anymore.