Most people go to grad school on loans. Are you really absolutely certain that you are not eligible for loans for grad school? There are limitations on loans, I realize, but I am not sure that it carries over from undergrad to grad. You are staring a new degree at a higher level. I would double check about standard financial aid that everyone is eligible for since it is only based on need. It's loans so you will have to pay lots back, but that's how most people do it.