My man, I suspect your account is an alt of someone else. Who knows? I don't have proof, just a suspicion. But the best thing for you to do IF you're not an alt troll is to ditch this account, because it's worthless. If you're going to be a member here, start fresh and stop being such a cunty mess. You got blasted with red, and you didn't even break 20 posts. That's pretty damn bad, so learn your lesson if you can.
All I want is my rep to be what it should be, positive.
I don't need to make 20 posts, I just need my loan for my tuition.
What lesson do I need to learn?
The lesson is that when people come here, make accounts, and start asking for money--whether it's a loan or not--it's not appreciated. Because the pattern is for noob accounts to scam. Sob stories, people getting locked out in the cold, family issues, blah blah blah, we've heard it all here. It's not likely you're going to recover your zero trust score (LOL), so hopefully you're not attached to this account. If you'd just been a member here and read how the lending section works, you would have avoided all of this.