title: TemplateDoesNotExist - file exists, no permissions issue
body: <p>I'm receiving this error when trying to render a template in django:</p>
  
  <p><strong>TemplateDoesNotExist</strong></p>
  
  <pre><code>...
  Template-loader postmortem
  
  Django tried loading these templates, in this order:
  Using loader django.template.loaders.filesystem.Loader:
  Using loader django.template.loaders.app_directories.Loader:
  </code></pre>
  
  <p>Here's my settings.py entry:</p>
  
  <pre><code>SETTINGS_PATH = os.path.normpath(os.path.dirname(__file__))
  TEMPLATE_DIRS = (
      os.path.join(SETTINGS_PATH, 'template'),
  )
  </code></pre>
  
  <p>Here's my view that's being called:</p>
  
  <pre><code>def handler(request):
      if request.method == 'GET': 
          NewAppFormSet = modelformset_factory(Application)
  
      return render_to_response(request, "template/apps.html",{"new_app_form":NewAppFormSet})
  </code></pre>
  
  <p>I've tried every possible combination of paths, adjusting permissions, etc. The real issue seems to be with the template loaders, as they are not recognizing any paths set forth in TEMPLATE_DIRS. I've hardcoded this string, to no avail. I've also ran <code>python manage.py runserver</code> with sudo / as root. I'm at a loss...</p>