hey, I had to deal with financial issues as well because I'll be starting school to in Jan. I suggest you try using Sallie Mae - Private Student Loans, Stafford, PLUS, Student Loan Consolidation and checking out their "tuition-answer loan" or any other one that fits you and your status. I think basically if you have okay credit, they'll approve you...beware though..interest rates on the tuition-answer are a bit high....but hey..you need money for school so don't let that be a hinderance! good luck!