I already have taken out Stafford Sub and Unsub loans. Financial services told me I could have my mom apply for a federal parent loan, which I know she will be denied, and they will use that money that was denied to use as additional loan money for me as a Stafford loan.
However, I just thought of another plan, although it may delay my graduation by a semester. I think I have enough funding to get through the summer and fall semesters. If I can take the spring semester off and instead take those classes with the financial aide from the 2012-2013 school year in the summer semester of 2012, which would be cheaper anyway, I would probably have less to come out of pocket and probably less loans. This is assuming I pass all 5 classes from now until then and will not have repeat them, which will, of course, push me back. I will bring this up to financial services and see what they say. Maybe that will work? It won't help my credit situation, but it will allow me to avoid taking out private loans and minimize my loan debt by $4000 maybe. I could also use that spring semester to work some more, get together my graduate portfolio, and study for NCLEX and any remedial HESI, if needed.