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The first thing you should do is go through our check book or wherever you balance your budget. Double check to make sure you did all of your math correctly. Often times, you may accidentally miscalculate. Also, check to make sure that you have logged all costs. You may very well not have logged a cost (i/e: lunch). If you still can't figure it out, go to your bank and have them print off a statement of costs. Check it to make sure that there are no discrepancies or double charges. If you realize that you are, in fact, under $20, contact your schools financial aid or loan department for counseling. Often times, they may make an acceptation to pay part of your balance and pay the rest at a later date (hey, none of us are perfect!). Just make sure you double check to make sure you won't be penalized. Hope this helps! Let me know what else you need.
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