• Pursue scholarships. It may not be too late to apply — funds might still be available. Your chosen course of study could even have something to offer. Talk to your school's guidance counselor and take another look at online sources such as Sallie Mae's free scholarship search.
• Consider benefits from your parents' employers. Look beyond tuition and scholarships: There might be workplace programs to lower the cost of computers, insurance, or travel.
• Investigate payment plans. These plans could spread tuition expenses out over the year. Contact your school's financial aid officer (FAO) for information.
• Verify that any special circumstances were considered. If you are unsure, talk with the school's FAO about your situation.
• Last — but not least — consider other student loans.

When you need a loan

There are student loan options beyond those listed on the award letter:

• Your parents may qualify to borrow up to the total cost of your education minus any aid received with the Federal Parent PLUS loan.
• Private student loans are also available. You could qualify for a Signature Student Loan.
• Ask your financial aid office about school- and state-specific loan programs.