Maybe he is catholic! Shame and guilt are their natural fall back emotions!
If your going at it alone on your college finances you have my full support and understanding as to why you dont feel that you can spare any additional expense.
I buried my self financially not to long ago when I went back to college the second time. I have to live the sparse life for a few more years until I have that paid off as well.
And believe me trying to keep a business afloat while dumping a large percentage of your take home income back into loan payments is a very frustrating feeling. I could finish my shop, expand on my business and do loads of improvement in my life with the pile of money I am currently dumping in that financial hole I created.
The sooner it payed off though the sooner I get to start expanding and enjoying my life far more! Right now I have to sacrifice in order to beat down the loan interest so the greedy bastards get as little extra from me as possible.