At 60, I am way over 35 and I applied for a loan directly from Sallie Mae. My credit stinks, so I have a cosigner. I went through pre-nursing at Brookhaven College last year (2007), with a 4.0 average. I am in my first semester of the nursing program at Brokhaven. I am starting to recieve my pension from many years as an Episcopal priest, but it is nowhere nearly enough to live on, let alone pay for tuition and books. I also have some friends who are investing in my future! Have a look at Sallie Mae. And good luck.:balloons: