Good day Sir/Maam. I am Jay-em Rosalita 20 years old 2nd year college, Ive been struggling financially lately because of my schooling, and its been a big burden for me. Ive always made an effort to manage my finances as a student, applying for scholarships, working part-time, and taking out loans as needed. However, this semester, I had to pay for some unforeseen program fees, my living expenditures went up, and textbooks were more expensive than I had expected. Even though I tried to save money, I was still unable to pay for everything, and the stress of juggling studies with concerns about how I would pay for necessities or tuition was too much to bear. I attempted contacting the schools financial assistance office in the hopes of receiving a payment plan or an emergency loan, .