Lyubov Ivanova: I decided to go back to college and I would like a loan to do so. What are my financing options?
Bank manager: Well, let's discuss your financial situation at the moment. How much do you have in your savings account?
Lyubov Ivanova: I don't own a savings account, only a current one.
Bank manager: Let's take a look at your bank statement. Are you planning on working while studying?
Lyubov Ivanova: Not really, but I did a transfer yesterday. What is the problem?
Bank manager: I can see it here, but it won't be enough to cover the loan conditions nor pay the interest.