"How you get by with sleeping in class, Charlie?"

"I wear these colored spectacles and prop myself, and the profs can't see I've got my eyes closed."

Fat waggled his heavy face mournfully. "Boy, it sure is tough when a man don't get his sleep."

"Yeah, it is," Charlie said, looking down at his book again. "I'll get a break pretty soon, though. I'd rather chop off a hand than to flunk out of university before I'd even finished one semester."

句子出自现代英文选评注，作者说I'd finished=I had finished，这个动词也是虚拟语气，并不是直述语气的过去完成式，即我宁愿砍断一只手，也不愿在第一学期终了之前退学。请问各位老师，I'd even finished one semester.这句话为什么是对过去的虚拟？第一学期未终了，不是应该是对将来虚拟么？