Janet,
your not a loser. But you are lucky. You have one child. I've got 3. Emily got
help but we are still paying on her loans. Dustin has a grant this year plus he has a loan also that he won't have to start paying on until after he graduates. He's living in an apartment this year with 3 other people. But we are still helping him with his tutition. Then when he gets out of college Jennifer will be starting.
It's a vicious cycle. We didn't have the money to save either. Keep your chin up it will work out.
