Fortunately, you're getting your money back. When I reach the paragraph "We declined the third time", I thought outright that you won't get your money back because that's the common case.

I used to be stuck at #2 because I don't know that I needed help, or asking for help just never crossed my mind. But after I consciously acknowledge that I need help, things got a lot easier. My project can move forward.

I think it's best to get a Circle of Support that can help you in various areas in life. A financial expert, a manager, a mentor, a customer service agent, etc. You know, people from different industry and background.