why dont you work one or two more hours rather than doing business like that. sometimes money is not everything. everybody knows students like us here in US have hard time but i didnot like your idea at all and i never heard it before. i may be wrong. No offence please, just my thought parents are our god, no matter whose parents are they, if you call them parents they are god. otherwise call them client or you name it..... helping them is worth lot more than $500. sorry if i have pinched you.