Private Loans and Smart Borrowing
If you don't qualify for federal loans, or need more assistance, you may also consider private loans. Most private loan programs are unsubsidized and will require a credit check. Each also carries its own terms, so it pays (or saves!) to fully research your options. As you explore your options, keep the following tips in mind:

Be disciplined
Certain loan programs are available to students in particular fields, such as business, law, or medicine. Check with your school for leads on these types of loan programs. 

Read the fine print
A loan agreement is a contract. You won't be able to back out later, so understand everything you're signing.

Consider your limits
Consider the total amount you'll owe at the end of your education and make sure it's a number you're comfortable with. Take into account any existing undergraduate debt as well.

Find the right combination
The total amount borrowed, annual interest rate, loan fees, and repayment terms will ultimately determine how much you owe. As you look into your options, compare carefully.

A Note on Repayment
Some programs will allow you to defer interest and/or principal repayment until you graduate. Others will not. Either way, your personal financial situation will determine what you can handle. Only borrow what you can afford to repay, and pay careful attention to the terms of repayment. The last thing you want to do is undermine your credit!