@BrutalBodyShots, I wish that I was able to say with full confidence that the financial aid would be disbursed in time to recoup what I have spent...but that would be like trying to herd cats! 
@Anonymous wrote:Oh no!
Now I am a little afraid to call!
Nah don't be afraid. they are real easy to talk too and my credit was in worse shape than yours. You got it made. You only have to talk down UTIL, that is not that hard at all.
On the phone with them now! 
Calm and collective. Talk to them like a friend. You can do it.
Lighthearted conversation. Don't be afraid to joke around a little.
You're not a credit seeker, you just really want in with them. Flattery will get you everywhere.
Cool and calm. You think better that way. High UTIL is an easy one. Payments have been made, things are in motion to reduce it, but you don't want to waste this hard pull and chance to get in with them on such a great card.
He hasn't asked many questions...he keeps putting me "on hold for another 2-4 mintues to wrap it up". 