> My credit sucks and we didn't qualify for a cosigned loan to cover the extra. I assume by that you mean the parent PLUS loan? Yeah, the federal loan limits

> My credit sucks and we didn't qualify for a cosigned loan to cover the extra. I assume by that you mean the parent PLUS loan? Yeah, the federal loan limits outside the PLUS program are pretty low, especially for underclassmen. I don't have any statistics, but I suspect most of the Department of Education's newly-issued debt (by dollar amount) is in PLUS loans since those cover the full cost of attendance.