I apologize for the delay in paying for your schooling

Money got tight and I did the worse thing I could do.

What I did was not saying anything to anyone, and tried to solve it myself.

All I ended up doing was making things worse.

I should know by now to ask for help, but I thought I could figure it out.

I don't want you to blame me, but it was my fault.

An even though I saved some money, it does not take the pain away.