'My dad is a jerk!' 22-year-old 'brat' blows $90,000 college fund on vacations and clothes and attacks her parents for refusing to use their retirement fund to bail her out Kim, whose last name is not known, called the Atlanta radio show The Bert Show to ask for advice Her grandparents set her up with a college fund that was supposed to last four years, but she spent it all on tuition, clothes, and vacations She was afraid to tell her parents, who then refused to give her more money or co-sign a loan unless she got a job Kim didn't want to work and called it 'embarrassing' - prompting the hosts to mock her, while callers described her as a 'spoiled brat'.. One 22-year-old incoming college senior is 'freaking out' about the fact that she's already spent her entire college fund a year short of graduation - and has enraged people all over the internet, who think the 'spoiled brat' should grow up and get a job. The young woman, who goes only by Kim, has now called in four times to Atlanta radio's The Bert Show, each time taking listeners through another aspect of her stressful saga. Despite the fact that her grandparents set her up with a $90,000 college fund that was intended to last for four years, Kim, who is about to start her senior year, has already spent it all on tuition, books, clothes - and vacations. But initially, instead of taking responsibility and getting a job, Kim blamed her parents for not teaching her how to budget properly - and faced the backlash of others who've called her 'entitled' and said she needs to get her act together. Yahoo Parenting reports, Kim called into the local radio show (which is syndicated in 11 states) to discuss her dilemma. 'Years ago my grandparents set up a college fund for me, which was amazing,' she began. '[But] I haven’t been very good with my budget for school. The first payment for my senior year just arrived, and I don’t have the money, basically.' I just wasn't very good with my budget. I took my college break money out of there, and maybe I shouldn't have She explained that she was 'hooked up' for all four years of college, with almost $90,000. But due to what the show's hosts jokingly describe as a 'banking error' on her part, Kim is now left with no money left to pay the $10,000 tuition bill for the first semester of her senior year - or the $10,000 bill that will come once her second semester starts. 'I’ve just been avoiding it. Like, I knew that the bill was coming,' she said, adding that she'd already visited her school's financial aid office and applied for scholarships with no luck. 'I just wasn't very good with my budget,' she went on. 'I also [used] that budget for school clothes and stuff like that. My college break money, I [took] out of there, and maybe I should have not done that.' That college break was a trip to Europe, which she 'figured was part of my education'. Unfortunately for Kim, her parents weren't ready to lend her the money. Calling back The Bert Show for a follow-up, she explained that after having an open and honest conversation with her mom and dad, she was told that they couldn't help her - a reaction that Kim did not expect. 'My dad was so - just a little bit of a jerk about it,' she said. He just sort of chuckled, like I'm so stupid or something.' Kim expressed that it was unfair of them to treat her that way because it was their fault that she spent her money so irresponsibly in the first place, saying: 'Maybe they should have taught me to budget a little more... They never sat me down and had a real serious talk about it.' While her father said they didn't have more cash to give her, Kim said that was a 'lie', as she knew her parents had a retirement account that her dad had been contributing to for 'a million years'. The hosts of the show then told her that she was learning a valuable lesson, and would now have to go to the bank for a loan. Kim, though, hadn't accepted that as the next step, and voiced frustration that she would have to actually go 'inside' - a word she stressed - a bank to apply for one, and couldn't just do it online. http://i.***************/i/pix/2015/07/24/01/2ACA996800000578-0-image-a-11_1437696803045.jpg Somehow, though, she managed to make herself go inside a bank - and called the show back afterward for another update. She recounted how she filled out forms, 'wrote a lot', and was told by a woman who worked at the bank that she would need her parents to co-sign the loan - which she would then have to start paying back immediately. That created a new problem for Kim, who explained that she never thought of getting a job to earn money. Her parents said that they would only co-sign on the condition that Kim found part-time employment, which she called 'embarrassing'. 'My job is being a student right now. I never planned on working through college,' she said. My job is being a student right now. I never planned on working through college She added: 'Maybe I'll tell my parents I'll be a stripper if they don't co-sign.' Finally, it started to seem like Kim was growing up - a bit. She phoned back a fourth time to tell The Bert Show that she was calling local businesses near her school to apply for jobs, though it was difficult because she had no work history. She was also quite bitter about it, and annoyed with her parents. 'I know they're trying to teach me a lesson, and blah blah blah, and character building, but I hope they realize that this can have such a negative effect on grades, and [on me] as a person,' she said, whining about the fact that she would have to work at least 15 hours a week to get by.