It's been a few days and firmware updates don't seem to fix this for me, even though I was able to receive an update once. Best of all, I know exactly why this didn't work and was able to answer my own question.
Turns out the password was the problem. I remember changing it to something simple a year ago for a test. Process of elimination: make sure the password isn't the same as your username. Check your username and password AGAIN. (You can't go wrong if you're running Linux/OSX with your username root, and you're USER and the password is your normal username).
Step Eight: Without your configured wifi network home network setup, your "hotspot" will not receive an IP address from the public internet. This is why your school router would not work, and only your personal router would. It's not an issue of hotspot vs. router, it's an operating system problem.
Your best bet if you are having this problem is to contact the router manufacturer. They'll be able to assist you as far as accessing to the firmware for the router. Who, in case you are wondering. To connect to your router to view the firmware files, you will need the router's ip address. (If you are using Windows 7, the router's IP is under Network > Internet > IPv4 Settings > Advanced Settings > IP Address) You may also need to telnet to your router's ip with port 22. Layer 2 (wireless) and Layer 3 (ipv4/ipv6) issues are often easy to fix because they're usually just a matter of knowing and entering the correct information.You can also try this method: http://www.routerlogin.com/firmware-update-for-router-devices/ It requires you to download the firmware file for your router. You plug your router's ip address in the ip address field.Then your router's username, and your password. And it should let you access it.
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