I am a student at McFatter now. Trust me on this, there are no student loans (at all) at McFatter. If you already have existing loans, they will certify it -- meaning that they sign something so your lender can grant you a deferment on payment. Unless you qualify for Pell Grants or other forms of government assistance (like VA grants, unemployment tuition assistance, etc), there is nothing the financial aid office can do for you. I am in that boat, where I need loans and cannot get one through school. The only available alternative would be to obtain a private/commercial loan through credit cards, banks, etc.