Ouch. That extra year set your finances in the wrong direction. You had other options.
Dropping that course and deciding to stretch your time from four years to five may have seemed liked less pressure at the time. However, now you’re paying for an extra year of college – and using a high-interest loan to pay for it.There were better, less costly choices you could have made. And one of them was to make sure you were staying on track with your credits so you could graduate in four years.