She has struggled to get the level of overdraft she needs to sustain her living costs, and her credit card limit was reduced because she missed a payment by 30p.
Ms Wise depends on her two credit cards and bank overdraft to get by.
Over the sumADVERTISEMENT
mer she struggled to find a full-time job meaning she is now going to have to work part-time, which she had hoped to avoid in her final year.
As a last resort she has been forced to borrow money from friends and family.
"I've already had to drop out once for financial reasons, and it's a real worry for me.
"I broke my foot in October 2007 and I couldn't work, which meant my money troubles were horrendous, even worse than now, so I just had to cut my losses and go home."
And she says she is not alone in her money worries.
She said: "It's unbelievable what Scottish students are given to live off, I don't think people realise. We are just getting in more and more debt. Something really, really needs to be done."
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