Shit days

Haiz... Please chase the cloud away above my head... Why the cloud keep following me? Why??? Know my situation now? I really hate making decision, when i choose to further study, bank came chasing me to repay them. I told them i wanna further study and asked them whether can defer my payment after my further study? furthermore, i'll continue loaning with them, what's the hurry? They say i must write in to them personally by post not email and subject to approval. That means i do not know whether can defer and by the way i need to quit my job to go NUS now... If i do not have income how i suppose to pay them? think la!!! and they set the rules of late payment will increase of additional 1%, what the hell bank! this is so called loan shark with licence! 4.75% is ady damn huge sum! and they wanna add another 1%! see, i should have study banking and open my own finance company... and i'll be making lots of money for sure!