The last semester of my freshman year was almost over. I had finally accepted the fact that I would have to transfer to a state university there in Memphis for my sophmore year. Financially, there was no other way. I could work through the summer and save enough for my books and tuition and live at home. It certainly wasn’t what I wanted to do, but it seemed the only solution. Jimmy, Linda, my roommate, and all my other friends pleaded with me to apply for a school loan. Looking back, I don’t know why I didn’t. Perhaps, transferring seemed …