>_<

[Blaaaaaaaah]

I've been poor most of my Fiesta life as well. I'd say push the guild making for a later time. You're only level 28 at the moment (according to your profile) and I've never made much money at that level myself (despite how there are so many stories about how people make money easily).. let alone make 300s + funds for academy at that level!

I would just take it slow and slowly work the money up as well as some production skills and probably make some stuff for the academy. But yeah... I've been poor (and still is actually) most of the time myself too so.. meh! We're just one of the poorer ones. xD I've been poor most of the time because I barely leave Fiesta on over night to vend things since it always slows my comp down in the morning.

Work on paying back your friend first. Then think of something later! Plus you'll need to save money to buy your skills and armours.