Unfortunately they have denied you absolution twice, sooo, it seems that your only recourse is to pay off the debt with your CC and go back and raise your GPA again. it sucks, but sounds like, short of having a serious accident or some extreme personal illness/injury, their appeal process is pretty hardcore, few acceptable excuses for discharge of debt. The only good news is you will be creating better credit rating/history as long as you make sure you make your payments on time.