In his early days as a college student, John Bergholz faced a financial crossroads.The Chicago native spent a year prior to college driving a truck for a now-defunct printing company to pay for his higher education.But after a year, he was unsure if he would be able to stay at Reed College in Portland, Ore.That’s when a letter from the financial-aid office arrived, telling him he was receiving scholarship money.“I was kind of floored that a stranger would give money to the school and that the school would then …