Colleb, a repeat client of over 10 cycles with a group, is married with 10 children, eight of whom are in school. He now has a hiccup. The school wants 50% of the school tuition before the children are allowed to sit for mid term exams. He will use the funds from milk sales to top up the fees and pay back the loan. The client is hard working and his dream is to see all of his children finish school.