you can qualify for the federal stafford loan which is a loan your university calculates based on your family's income and how much they think you need. There are 2 types. Subsidized and unsubsidized. Subsidized means that the govt. pays for the interest accumulated throughout the years for your loan so long as you remain in school meaning that in the end you only pay for what you borrowed and nothing more. and when you graduate you have 6 months before they begin charging you. unsubsidized means that there is a small interest rate added to your loans every year so in the end when you have to pay them back, you have to pay back the loan and some more interest you accumulated over the years. So if you can try to accept the subsidized loans. I received mine today but they will be distributing them for like the next month so keep an eye on your university account for anything new.