Happy and skint, or rich and sad?

"...so anyway, i thought i should give you a ring Rachel. I'm really sad to have to tell you this but your loan was refused."
"Oh. right. that's a shame."
"Yeah, i know. I know you really wanted it to go through y'know? I passed it upwards and it came back because there was a little.. er.. difference between your employment and education."
"What do you mean?"
"Well... you're a bartender."
"And?"
"Well.. you have a degree and, the equivalent of a masters is it?"
"post grad diploma."
"Well, with qualifications like that it doesn't seem like a good investment to us to give a loan to you until you get a proper job."
"What do you mean by proper job? it takes ages to get a good portfolio together. especially if i want to work in magazines."
"Well, can you get a proper job while you sort your portfiolio?"
"Like what?"
"Like a clerical job or something? have you tried graduate recruitment?"
"Whats the point of doing that? That won't help me advance in journalism or writing at all. I'm happy doing it in my own time and working night shifts suits me."
"Well, what about just a nice to five job temping?"
"But i'm totally happy where i am, juggling my writing and dancing with my job!"
"But you should be able to fine a job in magazine journalism really easily?"
"It's doesn't work like that. It's not like medicine where you float straight into a job from uni. You need a portfolio that's full to the brim."
"Well, that's fine. But until your employment and education match we can't give you a loan."
"Well, thanks for all your help."