wow...lol...you resort to breaking out $$ figures? c'mon...it's the internet, what kind of replies did you expect from a thread like this? Were you looking for sympathy? If you really are a 3.95 GPA student you should know how to read. The phone comes with a MANUAL, it shows you how to do stuff, just like a book. There's also TONS of info in the FAQ here.
But since apparently you can't manage the simple task of getting to the phone's ringtones, I'll throw you a bone:
Media > RINGTONES > ALL RINGTONES.