Why Must I Repeat Myself?

Me: The reason you were not eligible for loans is because you have reached your Level 1 Loan Limits.

Student: How many hours does it take to be a level 2?

Me: 30 credit hours.

Student: Well I have 29 credits.

Me: Ok but you have to have 30 credits for Level 2 funding.

Student: Well is there anyway I can get it at 29?

Me: No. You must have 30.

Student: So there's nothing I can do at 29?

Me: ...