1 . Downloaded GIMP 2 . Took advantage of people with no knowledge of GIMP by charging for mediocre logos and animation 3 . Feel bad 4 . Profit <| sep |> Hmm if the refund contains loan money it would be strange that they would allow you to consider it as income for a credit card . It ' s possible that the loan representative made a mistake when they said that you could count the entire refund as income . Unless your grants by themselves exceed the educational costs then the refund shouldn ' t be considered all grants since part of it is loans . <| sep |> Okay , great the numbers are insignificant to you and to others it ' s too high . Let ' s see if you ' re attitude changes when someone you knows becomes part of that number , will it still be insignificant then ? Plus , dying from a bad driver or smokers is a little different than dying because someone wants to kill you , but great effort on a shitty analogy .