I took out a Federal Stafford loan during my senior semesters--$9000 total. I'm halfway done paying it: 6 years down, 6 years to go. The rest was covered by scholarships, jobs and credit cards.
My parents weren't able to help me at all, but I still had to include their income on my FAFSA. As a consequence, I never qualified for any grants.
I agree with lookout's points, and will add this: NEVER pay for any school shit with a credit card.
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