http://forum.lowyat.net/ Thu, 15 Oct 2026 19:56:24 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/1408459 Ok before I start, I want to let you know that I&#39;ve already done alot of researched and considered alot of options myself. However it all seems to come to a dead end. I&#39;m posting this here in hope some of you may suggest me other ways that slipped my minds or inform me about people or places that could help. And I hope this is the right place to post this kind of topic.<br /><br />I&#39;m 21 this year and I&#39;ve been out of college for more than a year. Prior to this I was studying abroad. I was about to begin my 3rd year of my degree. Long story short, I got into some difficulties which not only exhausted all my money but money I did not own ended up being spent on me. Therefore, I am heavily in debt. My debt is no small amount and I probably can never settle it doing unskilled or non-professional jobs. I expect my creditors to take legal action soon. As it is now, I can&#39;t get any kind of education loan or any loan for that matter. <br /><br />Even though I&#39;m almost into my 3rd year, it&#39;s not easy to transfer over to a local college. Most do not want to accept me. To make matters worse, my highest qualification so far is SPM. I did not take any pre-university course or exam. US universities do no require that.<br /><br />An education is something one can&#39;t do without these days. I could never get a decent job without one. I do not think I&#39;m too grand to do oddjobs or hard labor, however I have some disability in moving around, which severely limits my ability to do those kinds of jobs. And definitely I can&#39;t be a cashier or store helper for the rest of my life. The money might be enough for food now, but as I grow older, my expenses will grow. <br /><br />Even a degree in Utar will come to about 35000. With the kind of pay I might be able to get now, it would take at least 6 years to save up that amount. The fees too will increase as the years go by. That too is subject to whether I can save any money in the first place.<br /><br />If possible I wish to take the shortest route to get some kind of qualification. I&#39;ve studied alot and I do not wish to waste time and money redoing everything again. It will reduce the financial burden and also enable me to get a decent job faster, a bearable work place and maybe some medical benefits. <br /><br />Before I receive any ridiculous comments, I know that without money there&#39;s nothing much I can do and I can&#39;t be choosy either. If it&#39;s my fate to be poor I&#39;m fine with that, but of course I&#39;ve to seek all the information I can find. I&#39;m just so lost now. <br /><br />Thanks even if you just spared your time to read and it&#39;s be really great if you have any suggestions. startingover Education Essentials Sat, 01 May 2010 00:15:23 +0800