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Well, I couldn’t do it. I couldn’t come up with the other $1,000 we were short for my husband’s tuition. I made a joke to my husband about selling his tools – he didn’t think that was funny and quickly hid the most expensive ones just in case.

I also joked that my husband should perhaps skip this semester…

Considering this is his last semester before graduation, he thought that was even less funny.

We tried to negotiate with the school in person again. Turns out, the staff is just as unfriendly face to face as they are over the phone.

So…I was forced to make the call I was dreading. I had to *gulp* call Bank of America and ask for money. Even though the card was thoroughly shredded, I had not yet permanently closed the account.

I did stumble when they asked, ‘Has the card been lost or stolen?’

‘Um. Scissored?’ I answered.

They were more than happy to Fed-Ex me a new set of cards…

with a higher credit line and a zero percent interest rate.

Apparently we’re both a little desperate.

For some crazy, nonsensical reason, I’m still working with Bank of America on my loan modification. I swear, it’s like I’m in a boyfriend/girlfriend relationship with them and I keep hoping there is a smidge of love somewhere, meanwhile, he’s out dating more fiscally attractive ladies and has completely forgotten about me.

I mailed the ‘Oops we’re sorry, you actually do qualify for the program and we lied to you for ten months’ paperwork they requested back in September. You may have to sit down for this shocking bit of information…

They haven’t replied.

I called them this afternoon. After five transfers, I was finally connected to the ‘Status Queue Home Retention’ line. He said, ‘It’s been more than 60 days. I’m not sure why you haven’t been assigned a staff member yet.’

I wanted to ask, ‘Maybe it’s because I haven’t called before now and you guys never get moving until someone complains?’

He ‘forwarded my application to his supervisor’ (if you believe that, I’ve got ocean front property in Arizona to sell you) and asked me to call back in a few weeks for another status update.

Funny, this is exactly the same process I went through last October. I’ll hold on until January and then make an attempt to try out the HARP program recommended by a kind reader.

Isn’t the definition of insanity – someone who repeatedly does the same thing and expects a different result?