When you don't qualify for any loans

[Just me]

This is my current dilemma. I filled out a FAFSA last year...apparently having made $1300 the entire year and living in a house with two other people on a single measly income did not make me financially needy enough. And probably the fact that I owe in excess of $70K to my last college.

So basically I am doing two things: Crossing my fingers and hoping for grants and scholarships through my school and Fastweb, and paying out of pocket. Not easy when the household's combined income is less than about $12,000 and a typical semester costs in excess of $5K.

I'm not sure what to do...it's by sheer luck that I have the money to pay for this crap. Has anyone here ever been in a position where they couldn't get any loans?

[TheDude]

Are you a dependent? If so there in lies your problem.

I owe 58K in loans from my undergrad, and that never factored into what I received for aid from the government.

[Just me]

Hmm, I'm not sure if I was claimed as one on my mother's taxes. And yeah, that $70K I owe is with the aid I got. Without it, I would have over $105K in debts. And of course the deadlines for all the graduate scholarships have passed. But I was told by the financial aid director at my school to make an appointment with an aid counselor when on campus to see what kind of grad loans I can get.

Here's hoping for a scholarship. I direly need a few. Or one big one.