This is a pretty standard question. Without spending too much time in a financial aid office, there is plenty you can do get the process started.
Start by going to and filling out the online form for federal student aid. After finding out what you are eligible for in terms of subsidized stafford loans, you can figure out if that is enough to finance your tuition and expenses. In most cases, it isn’t. If you find that you need more money then you are offered, you may want to try a private student loan.
The best thing to do is compare the different private lenders out there, which can be done at
Most of the rates are very similar but do a little research and pick one that you think is best. I would suggest Think Financial. The application process is very quick and easy, and the check is sent directly to you so you can use the money for whatever you want. The limits are much higher with private student loans, up to $40,000 per year. You can find out more information about a Think loan at . Good Luck.

Don’t get into debt if you don’t have to. There are so many scholarships and grants out there. This is the cheapest way to go. Reapply and just use your moms information. Dad is out of the home. Those interest rates will break you, I know. Been there done that and still paying. There are ways around the system I just don’t know where to get the information from.
Good luck with your schooling. Try scholarships.com or grants.org.