For my pre reqs I have been attending a community college and either used government loans and/or paid out of pocket, and my husbands work reimbursed us a total of $3000 for tuition. Now I am getting ready to transfer to a different school that costs $18000/year but since I have taken quite a few of classes I will probably pay about $13000. I am eligible for about $9000 in government loans so where else should I get school loans? I'm nervous because I've only ever used the loans that don't accrue interest and then are very low interest until paid off.