Money doesn't grow on trees and no school will give you a loan out of the generosity of their heart. Part of the secretary's job is to know whether you can and will pay off the loan. Trying to satisfy a promise you made to your grandfather is a nice gesture but ultimately, you have to want to succeed. If you don't have a personal reason to want to succeed, then perseverance is only going to get you so far. For example, is there a dream you want to fulfill, something you want to change in the world regardless of how big or small, a specific career you've idolized, or various other personal reasons.

If you don't have any desire to go to school for yourself, then I agree wholeheartedly with Perna. Prove to us we're wrong.