Ferchi

-- Take a private loan. This is a last-ditch measure, because piling on more debt than the Feds will give you (a total of $31,000 for four years of school) will crimp your post-college style. With big private loans you won't be able to spend that year traveling after school or volunteering for some low-paying good works. You'll have to hurry into a big-salary job to start paying back the banks.