I got the email about University of the Philippines (UP) Diliman retired janitor Meliton Zamora getting 0.92 pesos as his retirement pay. I have known Zamora aka Mang Milton since he swept the floors whilst singing early in the morning before my 7:00 AM English 1 class. However some students had a closer relationship (financially) since he guaranteed their loans with the student loan board. Even with its then low fees, students had a hard time making ends meet since money was needed to pay for paper, food, school supplies and dorm fees. In a sense the socialized tuition fee scheme was meant to answer this but it could never do so completely. As for student loans, one of the first things that a newly hired prof or instructor learns is NOT TO GUARANTEE student loans since students rarely if ever pay for these. Even if the loans are quite small, when retirement time comes, the process of clearing accountabilities with the university becomes a tedious process. One may have his/her retirem...