Here is the other plus with just taking a loan through the Dept of Education,
You can write it off on your taxes. I got a nice return from interest paid plus I got a tax credit the last two years on my taxes for being enrolled at least part time. I think it was called American Opportunity Credit. There is another one depending on qualifications I cant remember what it's called. You get one or the other. I got like a $1500 tax credit.
Plus you more than likely qualify for a pell grant of up to $5500 if you haven't been enrolled and dropped out, been less than part time or dropped below passing grades in the past.
“Who you are speaks so loudly I can't hear what you're saying.” -Ralph Waldo Emerson.