I HIGHLY recommend that you apply for any federal loans you can get. They have very merciful pay-back terms, which can be adjusted depending on your circumstances, such as: lost a job, went back to school for another degree, got pregnant, got a low-paying job, became disabled, etc.
If you get a private loan, I think the payback terms are probably very inflexible, with little concern for your circumstances.
In reality, you'll probably need both federal loans and private loans, but GRAB all the fed help you can get.
PS as to scholarships, I went in naively assuming I'd be eligible for all kinds of scholarships--had the grades, the unusual circumstances, the accomplishments. Didn't get a penny anywhere, and I spend a solid month doing boooring essays. If you're a left-handed, cross-eyed, descendant of Comanches with a father in the steelworker's union and Mom in DAR, go for it. Otherwise . . . ?