Be a Smart Borrower
You may also consider private loans to fill remaining need. Most private loan programs are unsubsidized, and will require a credit check before you qualify. Each loan carries its own terms, so it pays (or saves!) to fully research your options.

A smart borrower makes smart decisions. Keep the following in mind as you explore your options:

Be disciplined
Certain loan programs are available to students in particular fields. Check with your school for leads.

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

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.

Find the right combination
The amount borrowed, interest rate, loan fees, and repayment terms will determine how much you owe. Compare options 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!