I don't get it. Why can't you get loans? You don't pay them back while you are in school, and afterwards the minimum cost per month is pretty low. I had full, $16k per term FAFSA support for 12 terms, and then needed one more to finish some things up (poor planning). Federal student loans saw me through.

Although, yes, it's immensely frustrating that they take whatever money they can. I spent all the money I saved up from high school right before college so they couldn't take it away.