Writing 101, Day 14: Dear LOAN…

Pick up the nearest book and flip to page 29. What’s the first word that jumps off the page? Start there, and try a twist: write in the form of a letter.


This is another interesting topic brought to me by Blogging University. 🙂

I grabbed the nearest book on my desk and I excitedly flipped it to page 29. The first word that jumped off the page was LOAN. Interesting! Now I’m going to write a letter to ‘him’.

Dear Mr. Loan,

It’s really surprising that you were the first one I saw when I flipped the page. I have been thinking about you in the past few months. Was it a coincidence or was it really meant for me? That I don’t know either.

I said that I’ve been thinking about you because I have been planning to ask for your help. Last year, we planned to buy a house and lot. We paid the reservation fee and tried to apply for Pag-ibig Housing Loan but we changed our mind and decided not to continue with it.

Next year we’re planning to buy a brand new car, and I’m thinking about you again. Shall we apply for a car loan? Or shall we focus first on our other priorities?

Two years ago, I borrowed P15,000 ($300) from you even if I didn’t need it. I mean, the only reason I applied for SSS loan was because my colleagues were saying I should take advantage of it, otherwise others will do. Another thing was, they said that the next time I apply for SSS loan, it would be much higher. So I did. I don’t remember where I used it for but I thank you for lending me that amount. But I just want to remind you

business and I’m kinda thinking about you again… You are easy money for us but paying you with interest in two years seems so long. I hate the idea of going to your office or to the bank monthly to pay you that it’s already fully paid.

Now, I’m venturing into an online on installment basis. Can I just pay you in full after two years? Oh yes plus the interest of course. I wish it’s possible but I know it isn’t.

I’m also thinking about getting a loan from a relative. But it’s still you. It’s easier I think. No papers, no bond, no long term commitment. I can pay it in full earlier if I can. I don’t need to wait for two years. But I hate the idea that I’m taking responsibility for other people’s money. It’s giving me too much pressure.

I know this is your business. You earn from this and you’re a big help to a lot of people. I don’t hate you but as much as possible I don’t want to ask help from you. Just don’t turn your back on me when I need you, please.


Your client,



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