Friends around are obtaining degrees while I'm still a diploma holder. Their salaries are jumping while mine is getting rather stagnant.

Yes, I did try to pursue for a degree too but the school closed down on me after I got my advance diploma.

I should be going for my degree at another school which is willing to accept us with some exemptions but the tuition fee is a headache for me.

I did try saving up for my studies a few years back but a family crisis wiped out my savings in less than 4 months.

Now, i'm a proud owner of a HDB flat but am cashless.

I've just discovered that I am unable to convert my private bank loan to a HDB loan even after 3 years. I'm stucked with a private bank loan with sky-high interest.

So,studying is impossible at this point of my life and therefore I will remain a diploma holder.