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Legal action possible, but it’s generally no one’s first choice, so if you show that you’re horrified at what happened and that you’re genuinely committed to aggressively paying it off, they may prefer to just let that happen.

I think you should do the right thing and come clean — and I think that if you don’t, the guilt alone is likely to cause problems — but the right thing does come with a price, and while it’s easy to say from the sidelines that you should be willing to pay that price, you’ve got to make that choice for yourself.Does anyone else have advice for this letter-writer, something that might help him clear this up faster? I wrote back to this letter-writer and asked: “Just so I really get the whole situation, did you really think was allowed? After working for the company for two years on-site at a client office, I was informed that the client had canceled the contract, so I would need to do another function, which would require driving all over town instead of being based in an office.Or were you hoping you could do it and pay it back before it was noticed? My manager said point-blank that if I did not get a car within the week, there was nothing he could do for me.Basically, I am terrified that I have ruined my life completely through an act which was made at a time of high stress and was short sighted, but done with the intention of saving my job.

I don’t know if it is relevant but I have ADD, so impulse control, particularly when under stress, has always been an issue for me, and the whole thing was really traumatic with changing roles and several other factors.The orginal plan was to use the money for a deposit on a car, and once the car was paid off, I would then have the car as an asset, which I could use as security on a loan, which I could use to pay off the card.All was going to plan, but the car got written off due to the engine totally breaking down after a month, so I then had to get another deposit on a second car.Every student is eligible to submit the FAFSA, but not everyone will get all types of financial aid.Use the FAFSA4Caster to estimate the type and amount of aid you’ll qualify for.This just means I get charged Pay Pal fees for the cash advance, and it means nothing more is due until the next billing cycle.