<human>: Provide a brief overview of the text.

I ran my credit score and settled the two small items in collections and have been rehabilitating my student loans, but i still have a few more months to pay on it before it can be picked up by another agency.

I can get my fafsa money in January however now since I will have six months of payments towards my loan. I will still owe my school 4500 dollars if i want to enroll for the spring semester and graduate. My job will reimburse me for 3000 of it once i finish and i can come up with 1500.

I just need 3000 to give the school in Janaury knowing that it will be reimbursed by my job in May, however my credit score sucks from my default and i cant get a co signer. 

I have the 5000 in savings right now but i dont want to part with it because i may need it for emergencies.
<bot>: I have bad credit and need $3000 dollars in Janaury that my job will reimburse me for in June. What should i do?