Well, they denied my loan...

[Doggett]

What a coincidence. I've actually just been accepted into a government program where I get trained and mentored and monitored, along with a full year of unemployment insurance, while I start up my own business (screen printing, graphic design, websites, promotional stuff).

There's no need to rub it in, Andy.

Read down to the part where the bank f**ked up my plans.

I did, but I didn't understand it.

After a while it just became meaningless words...

It's too complicated.

[AndyC]

I did, but I didn't understand it.

After a while it just became meaningless words...

It's too complicated.

Basically, I needed a mortgage on a building that would be a good investment even if I just planned to fix it up and resell it in a couple of years. If it was a house, I could pay it off over 25 years, my payments would be lower, and the bank would make more money. With a 25-year mortgage, we could afford the payments without even putting a business in there. But, because it's not a residential property, I'd have to pay it off in ten years, my monthly payments would be nearly triple, and the bank would collect less interest. The bank could give me no reason for this, just that it's the way they do it. I think it's nuts.

[BTM]

It is an issue making a mistake on your degree, however having a degree should allow you to edge your way into a career path you want in graphic arts. Does your Uni offer any career advice to ex students? My uni gives career advice until 2 years after you have left.

I wish you all the best, retraining is always an option and worth taking if you can get a loan sorted. 

Well, the university has a career placement office, which will help you with like writing resumes and cover letters and stuff, and they have a job search database of people who are hiring for stuff.  Here's the kicker though, since it's been over six months since I graduated, I have to register with them, which costs like $50 for a year's worth of services (or free if I join the university Alumni Association, which I think is like $40 or so).  Been kicking that idea around, it's just I figured I'd either be going back to the university or the community college this fall so it wouldn't be necessary just yet.

Just find it funny they want MORE money from me, considering how much they'd already gotten in the past two years.