((((((((((((Maymie)))))))))))))

Whereabouts are you? Lots of loans are dependent on where you live. If you've got a specific bank, you can apply for a line of credit. It's not a *loan*... I've got one through CIBC that is $15K, and that's IT.

I'm guessing you're in the USA, so I don't have specific help, but I did go to Google:

http://studentaid.ed.gov/PORTALSWebA...lish/index.jsp
http://www.students.gov/STUGOVWebApp/Public

What about getting a second job? Or getting a better paying job? Asking your current employer for a raise, maybe?

What you SHOULD be looking for are grants. If you have a diagnosed disability, or mental condition, or are in a specific "group" (like Native American, etc) then you can qualify usually. You don't pay back a grant.

I don't know why you don't want to apply for scholarships. Yes, there's a lot of paperwork, but like dbkrous said, there are MILLIONS in dollars of unclaimed scholarships out there. Usually they just want someone to APPLY and then they get it! Some are based on financial need, which are worth it to apply for if you're needing the money. Put in the effort to apply, seriously. Some scholarships are based on volunteer activities, or field of study, extracurricular activities. There ARE those based on academic grades, but that's certainly not the only ones out there.