It’s only natural that you need some guidance in the process. Fortunately, the Federal Student Aid Information Center exists for this purpose. Contact their hotline at 800-433-3243 for expert assistance. Well done and best wishes to you.

Dear Annie: I met a man about four years ago. We started dating a week after we met, at her insistence. Well after we were together a year I found out that he was texting with a girl online and had been for several months. She didn’t want him. Then, a month later, I heard that he cheated on me with someone from work who was in his twenties, the same age as his daughter. I confronted him, but he refused to admit he was guilty.

However, I have caught him exchanging sex messages with a few other girls online since then. He says he has never met them in person.

Guess my question to you is, is it worth trying to keep this man in my life? I love him and he says he loves me, but part of me is no longer in love with him. If I’m being honest I’ve been feeling this ever since I heard about his cheating with this young lady. What do you think, Annie: Should I put it on the sidewalk on garbage day? My heart tells me to stay, but my mind wants me to tell it to get lost. – Confused girlfriend

Dear confused: Listen to your mind on this one. Not only did he cheat on you more than once (daring posts count as cheating), he also showed no interest in really fixing things up on you. Life is short and your time is too precious to waste it on someone who doesn’t appreciate it. Although at first it might seem difficult to live without him, eventually you will look back and wonder how you lived with him for as long as you did..