Jacq,

You are welcome. ((((((((((Jacq))))))))))

Glad to hear you are taking some courses. Ok, so apply for a government loan. Look into a bursary from the uni, if possible, too. But, apply EARLY! See if you can find a job on campus in a research setting, or whatever...will save you transportation fees.....and some time.

Try not to worry -- you CAN write that email......you have the courage. Study for a few hours, then take a well-needed break to clear your head & then write a bit. If you feel too stressed, then try it tomorrow, after your mid-term.

Btw, good luck on your mid-term. If it is multiple choice, remember, "abacadaba" LOL.