I can only attest to what I have been seeing other people posting. I'm starting in March 2014 and trying to figure this all out too!
From what I have seen, we get 2 separate bills because our program spans 2 academic years. I filled out my FAFSA and didn't get very much for 2013-2014, so I'm going to be relying mostly on loans. I don't think the 2014-2015 FAFSA was available when I filled mine out a couple months ago..maybe it's too early? I have looked into Wells Fargo Med Cap loan, it is for nursing, med students, etc which I saw some current students recommended. It's still too early to apply for any loans...which is slightly freaking me out. You can only apply 90 days before we start because they have to check your credit score and if it's more than 90 days, it won't be valid.
Like I said, I'm only going off of what others have said...hopefully we can figure this out together!