This sucks!

This sucks! I have been waiting for over a month now to receive my accounting degree and refund for the excess on my account via the University of Phoenix and was told last week that the check was cut on Thursday! I was ecstatic beyone belief . . . we're talkin' a $2000 refund here because I finished school early by two months. Well, now I've received a letter in the mail stating that almost $1600 of it is getting sent back to my lender! I was not told about this by my counselor and don't understand why it is the school's decision regarding what happens to the money. It is a student loan . . . that I am paying back, so why can't I just have the money. I needed it to help pay for the birth of my second child and it was going to pay for more than half of it. But now, I will only be able to pay a third of it and have no other means to pay the midwives. I am so stressed and upset that I feel like I could seriuosly just burst into tears. Though I am pregnant and a little overemotional as it is . . . this kind of stuff doesn't normally bring me to this point. I have been asking for over a month what will happen with that excess and was told that it was coming back to me. Now it is not, for some reason, and I am peeved beyond belief! I also want to point out that the University of Phoenix has handled my financial account very poorly from the beginning. I feel sorry for my finanical aid counselor because he doesn't make the decisions or actually handle any of the transactions regarding my account and yet he's the only one that I can complain to. He has been extremely patient with me when I "fly off the handle" at him, but if he knew he should have said something. I postponed the beginning of this program by about a week and it took them about two to three months to sort out my pell grants and loans payments, so on the record I had owed the school thousands of dollars to begin with. Then midway through the rates changed and I was supposed to reapply for a new amount through the grants and lenders and when it finally happened I was denied. So I was left not knowing if school was going to be covered or not. On top of that the whole reason that I even went back to school was because my mother said she would pay for it . . . and is actually hoping that I get a job and pay for it myself. I have bills to pay (which we can barely pay), a baby to pay for, and right when the baby is born student loans to pay back. Plus, Jason has student loans too. I haven't been able to get a job in two years and have to keep relying on Jason's parents for stuff. We haven't had our own bedroom for about a year and I just don't need this right now! I have to go cause I'm about to lose it . . .